<SEC-DOCUMENT>0001206774-20-000670.txt : 20200302
<SEC-HEADER>0001206774-20-000670.hdr.sgml : 20200302
<ACCEPTANCE-DATETIME>20200302132153
ACCESSION NUMBER:		0001206774-20-000670
CONFORMED SUBMISSION TYPE:	10-K
PUBLIC DOCUMENT COUNT:		134
CONFORMED PERIOD OF REPORT:	20191231
FILED AS OF DATE:		20200302
DATE AS OF CHANGE:		20200302

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			SOUTHERN FIRST BANCSHARES INC
		CENTRAL INDEX KEY:			0001090009
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				582459561
		STATE OF INCORPORATION:			SC
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		10-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-27719
		FILM NUMBER:		20675830

	BUSINESS ADDRESS:	
		STREET 1:		100 VERDAE BOULEVARD
		STREET 2:		SUITE 100
		CITY:			GREENVILLE
		STATE:			SC
		ZIP:			29607
		BUSINESS PHONE:		8646799000

	MAIL ADDRESS:	
		STREET 1:		100 VERDAE BOULEVARD
		STREET 2:		SUITE 100
		CITY:			GREENVILLE
		STATE:			SC
		ZIP:			29607

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	GREENVILLE FIRST BANCSHARES INC
		DATE OF NAME CHANGE:	19990707
</SEC-HEADER>
<DOCUMENT>
<TYPE>10-K
<SEQUENCE>1
<FILENAME>sfb35772717-10k.htm
<DESCRIPTION>ANNUAL REPORT
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<P align ="left"><font size=2 face=Arial><A HREF="#toc"><B>Table of Contents</B></A></FONT></P>



<P style="TEXT-ALIGN: center"><B><FONT size=3 face=Arial>UNITED STATES<BR></FONT></B><B><FONT size=3 face=Arial>SECURITIES AND EXCHANGE COMMISSION<BR></FONT></B><B><FONT size=2 face=Arial>Washington, D.C. 20549<BR></FONT></B><B><FONT size=4 face=Arial>FORM 10-K</FONT></B></P>

<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>&#9746; </FONT><B><FONT size=2 face=Arial>Annual Report Pursuant To Section 13 Or 15(d) of The Securities Exchange Act of 1934<BR></FONT></B><FONT size=2 face=Arial>For The Fiscal Year December 31, 2019.</FONT></P>

<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>Or</FONT></P>

<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>&#9744; </FONT><B><FONT size=2 face=Arial>Transition Report Pursuant To Section 13 Or 15(d) of The Securities Exchange Act of 1934<BR></FONT></B><FONT size=2 face=Arial>For the Transition Period from ___________ to ________________<BR>Commission file number 000-27719</FONT></P>

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   <P align=center><B><FONT size=5 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Southern First Bancshares, Inc.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></B></P></TD></TR>

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   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="100%" noWrap align=center>

   <P align=center><FONT size=1 face=Arial>(Exact name of registrant as specified in its charter)</FONT></P></TD></TR></TABLE></DIV>

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   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="49%" noWrap align=center><B><FONT style="font-size:11pt" face=Arial>South Carolina</FONT></B></TD>

   <TD width="1%" noWrap align=center>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="50%" noWrap align=center><B><FONT  style="font-size:11pt"face=Arial>58-2459561</FONT></B></TD></TR>

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   <TD width="49%" noWrap align=center><FONT size=1 face=Arial>(State of Incorporation)</FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=1 face=Arial></FONT></TD>

   <TD width="50%" noWrap align=center><FONT size=1 face=Arial>(I.R.S. Employer Identification No.)</FONT></TD></TR>

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   <TD width="100%" colSpan=3>&nbsp;</TD></TR>

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   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="49%" noWrap align=center><B><FONT  style="font-size:11pt" face=Arial>100 Verdae Boulevard, Greenville, SC</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=2 face=Arial></FONT></B></TD>

   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="50%" noWrap align=center><B><FONT  style="font-size:11pt"face=Arial>29607</FONT></B></TD></TR>

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   <TD width="49%" noWrap align=center><FONT size=1 face=Arial>(Address of principal executive offices)</FONT></TD>

   <TD width="1%" noWrap align=center><FONT size=1 face=Arial></FONT></TD>

   <TD width="50%" noWrap align=center><FONT size=1 face=Arial>(Zip Code)</FONT></TD></TR></TABLE><BR></DIV>

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   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="100%" noWrap align=center><B><FONT  style="font-size:11pt" face=Arial>864-679-9000</FONT></B></TD></TR>

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   <TD width="100%" noWrap align=center><FONT size=1 face=Arial>(Telephone Number)</FONT></TD></TR></TABLE></DIV>

<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>Securities registered pursuant to Section 12(b) of the Act:</FONT></P>

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   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="36%" noWrap align=center><FONT size=2 face=Arial>Title of class</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="29%" noWrap align=center><FONT size=2 face=Arial>Trading Symbol</FONT></TD>

   <TD width="1%" noWrap align=center>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="33%" noWrap align=center><FONT size=2 face=Arial>Name of each exchange on which registered</FONT></TD></TR>

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   <TD width="36%" noWrap align=center><B><FONT size=2 face=Arial>Common Stock</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=2 face=Arial></FONT></B></TD>

   <TD width="29%" noWrap align=center><B><FONT size=2 face=Arial>SFST</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=2 face=Arial></FONT></B></TD>

   <TD width="33%" noWrap align=center><B><FONT size=2 face=Arial>The NASDAQ Global Market</FONT></B></TD></TR></TABLE></DIV>


<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>Securities registered pursuant to Section 12(g) of the Act: None</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=1 face=Arial>Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. Yes &#9744; &nbsp;&nbsp;&nbsp;No &#9746; </font></p>
<P style="TEXT-ALIGN: justify"><FONT size=1 face=Arial>Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Exchange Act. Yes&nbsp;&#9744; &nbsp;&nbsp;&nbsp;No&nbsp;&#9746;</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=1 face=Arial>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&nbsp;&#9746; &nbsp;&nbsp;&nbsp;No&nbsp;&#9744;</FONT></P>

<DIV style="TEXT-ALIGN: justify"><FONT size=1 face=Arial>Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T (&#167; 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).</FONT></DIV>

<DIV style="TEXT-ALIGN: justify"><FONT size=1 face=Arial>Yes&nbsp;&#9746; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;No&nbsp;&#9744;</FONT></DIV>

<P style="TEXT-ALIGN: justify"><FONT size=1 face=Arial>Indicate by check mark if disclosure of delinquent filers pursuant to Item 405 of Regulation S-K is not contained herein, and will not be contained, to the best of registrant&#8217;s knowledge, in definitive proxy or information statements incorporated by reference in Part III of this Form 10-K or any amendment to this Form 10-K.&nbsp;&nbsp;&#9744;</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=1 face=Arial>Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or emerging growth company. See definitions of &#8220;large accelerated filer,&#8221; &#8220;accelerated filer,&#8221; &#8220;smaller reporting company,&#8221; and &#8220;emerging growth company&#8221; in Rule 12b-2 of the Exchange Act. <BR>Large accelerated filer &#9744;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Accelerated filer &#9746;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Non-accelerated filer &#9744;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Smaller reporting company &#9746;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Emerging growth company &#9744;</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=1 face=Arial>If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.&nbsp;&nbsp;&#9744;</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=1 face=Arial>Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes&nbsp;&#9744; &nbsp;&nbsp;&nbsp;No&nbsp;&#9746;</FONT></P>

<P style="TEXT-ALIGN: center"><FONT size=1 face=Arial>The aggregate market value of the common equity held by non-affiliates of the registrant as of June 28, 2019 (based on the average bid and ask price of the Common Stock as quoted on the NASDAQ Global Market on June 28, 2019), was $272,689,353.</FONT></P>

<P style="TEXT-ALIGN: center"><FONT size=1 face=Arial>7,697,454 shares of the registrant&#8217;s common stock were outstanding as of February 21, 2020.</FONT></P>

<P style="TEXT-ALIGN: center"><B><FONT size=2 face=Arial>DOCUMENTS INCORPORATED BY REFERENCE</FONT></B></P>

<P style="TEXT-ALIGN: justify"><FONT size=1 face=Arial>Portions of the registrant&#8217;s Proxy Statement relating to the Annual Meeting of Shareholders to be held on May 12, 2020 are incorporated by reference into Part III of this Annual Report on Form 10-K where indicated.</FONT></P>

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<P align ="left"><font size=2 face=Arial><A HREF="#toc"><B>Table of Contents</B></A></FONT></P>



<P style="TEXT-ALIGN: center"><B><FONT size=3 face=Arial><A NAME="toc"></A>Southern First Bancshares, Inc.<BR></FONT></B><B><FONT size=3 face=Arial>Index to Form 10-K</FONT></B></P>

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   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; vertical-align: top"></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD STYLE="vertical-align: top; width: 96%; text-align: left"></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><B><FONT size=2 face=Arial>Page</FONT></B></TD></TR>

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   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; vertical-align: top"><A HREF="#PARTI"><B><FONT size=2 face=Arial>PART I</FONT></B></A></TD>

   <TD width="1%" noWrap align=left><B><FONT size=2 face=Arial></FONT></B></TD>

   <TD STYLE="vertical-align: top; width: 96%; text-align: left"></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD></TR>

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   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; vertical-align: top"><A HREF="#Item1Business4"><FONT size=2 face=Arial>Item 1.</FONT></A></TD>

   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="vertical-align: top; width: 96%; text-align: left"><A HREF="#Item1Business4"><FONT size=2 face=Arial>Business</FONT></A></TD>

   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><A HREF="#Item1Business4"><FONT size=2 face=Arial>4</FONT></A></TD></TR>

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   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; vertical-align: top"><A HREF="#Item1ARiskFactors24"><FONT size=2 face=Arial>Item 1A.</FONT></A></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="vertical-align: top; width: 96%; text-align: left"><A HREF="#Item1ARiskFactors24"><FONT size=2 face=Arial>Risk Factors</FONT></A></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><A HREF="#Item1ARiskFactors24"><FONT size=2 face=Arial>24</FONT></A></TD></TR>

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   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; vertical-align: top"><A HREF="#Item1BUnresolvedStaffComments38"><FONT size=2 face=Arial>Item 1B.</FONT></A></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="vertical-align: top; width: 96%; text-align: left"><A HREF="#Item1BUnresolvedStaffComments38"><FONT size=2 face=Arial>Unresolved Staff Comments</FONT></A></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><A HREF="#Item1BUnresolvedStaffComments38"><FONT size=2 face=Arial>38</FONT></A></TD></TR>

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   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; vertical-align: top"><A HREF="#Item2Properties38"><FONT size=2 face=Arial>Item 2.</FONT></A></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="vertical-align: top; width: 96%; text-align: left"><A HREF="#Item2Properties38"><FONT size=2 face=Arial>Properties</FONT></A></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><A HREF="#Item2Properties38"><FONT size=2 face=Arial>38</FONT></A></TD></TR>

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   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; vertical-align: top"><A HREF="#Item3LegalProceedings38"><FONT size=2 face=Arial>Item 3.</FONT></A></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="vertical-align: top; width: 96%; text-align: left"><A HREF="#Item3LegalProceedings38"><FONT size=2 face=Arial>Legal Proceedings</FONT></A></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><A HREF="#Item3LegalProceedings38"><FONT size=2 face=Arial>38</FONT></A></TD></TR>

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   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; vertical-align: top"><A HREF="#Item4MineSafetyDisclosures38"><FONT size=2 face=Arial>Item 4.</FONT></A></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="vertical-align: top; width: 96%; text-align: left"><A HREF="#Item4MineSafetyDisclosures38"><FONT size=2 face=Arial>Mine Safety Disclosures</FONT></A></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><A HREF="#Item4MineSafetyDisclosures38"><FONT size=2 face=Arial>38</FONT></A></TD></TR>

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   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; vertical-align: top"><B><FONT size=2 face=Arial>&nbsp;</FONT></B></TD>

   <TD width="1%" noWrap align=left><B><FONT size=2 face=Arial></FONT></B></TD>

   <TD STYLE="vertical-align: top; width: 96%; text-align: left"></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD></TR>

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   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; vertical-align: top"><A HREF="#PARTII"><B><FONT size=2 face=Arial>PART II</FONT></B></A></TD>

   <TD width="1%" noWrap align=left><B><FONT size=2 face=Arial></FONT></B></TD>

   <TD STYLE="vertical-align: top; width: 96%; text-align: left"></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD></TR>

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   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; vertical-align: top"><A HREF="#Item5MarketforCommonEquityRelatedShareholderMattersandIssuerPurchasesofEquitySecurities39"><FONT size=2 face=Arial>Item 5.</FONT></A></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="vertical-align: top; width: 96%; text-align: left"><A HREF="#Item5MarketforCommonEquityRelatedShareholderMattersandIssuerPurchasesofEquitySecurities39"><FONT size=2 face=Arial>Market for Common Equity, Related Shareholder Matters and Issuer Purchases of Equity Securities</FONT></A></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><A HREF="#Item5MarketforCommonEquityRelatedShareholderMattersandIssuerPurchasesofEquitySecurities39"><FONT size=2 face=Arial>39</FONT></A></TD></TR>

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   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; vertical-align: top"><A HREF="#Item6SelectedFinancialData41"><FONT size=2 face=Arial>Item 6.</FONT></A></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="vertical-align: top; width: 96%; text-align: left"><A HREF="#Item6SelectedFinancialData41"><FONT size=2 face=Arial>Selected Financial Data</FONT></A></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><A HREF="#Item6SelectedFinancialData41"><FONT size=2 face=Arial>41</FONT></A></TD></TR>

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   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; vertical-align: top"><A HREF="#Item7ManagementsDiscussionandAnalysisofFinancialConditionandResultsofOperations42"><FONT size=2 face=Arial>Item 7.</FONT></A></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="vertical-align: top; width: 96%; text-align: left"><A HREF="#Item7ManagementsDiscussionandAnalysisofFinancialConditionandResultsofOperations42"><FONT size=2 face=Arial>Management&#8217;s Discussion and Analysis of Financial Condition and Results of Operations</FONT></A></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><A HREF="#Item7ManagementsDiscussionandAnalysisofFinancialConditionandResultsofOperations42"><FONT size=2 face=Arial>42</FONT></A></TD></TR>

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   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; vertical-align: top"><A HREF="#Item7AQuantitativeandQualitativeDisclosuresaboutMarketRisk60"><FONT size=2 face=Arial>Item 7A.</FONT></A></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="vertical-align: top; width: 96%; text-align: left"><A HREF="#Item7AQuantitativeandQualitativeDisclosuresaboutMarketRisk60"><FONT size=2 face=Arial>Quantitative and Qualitative Disclosures about Market Risk</FONT></A></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><A HREF="#Item7AQuantitativeandQualitativeDisclosuresaboutMarketRisk60"><FONT size=2 face=Arial>60</FONT></A></TD></TR>

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   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; vertical-align: top"><A HREF="#Item8FinancialStatementsandSupplementaryData61"><FONT size=2 face=Arial>Item 8.</FONT></A></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="vertical-align: top; width: 96%; text-align: left"><A HREF="#Item8FinancialStatementsandSupplementaryData61"><FONT size=2 face=Arial>Financial Statements and Supplementary Data</FONT></A></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><A HREF="#Item8FinancialStatementsandSupplementaryData61"><FONT size=2 face=Arial>61</FONT></A></TD></TR>

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   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; vertical-align: top"><A HREF="#Item9ChangesinandDisagreementswithAccountantsonAccountingandFinancialDisclosure102"><FONT size=2 face=Arial>Item 9.</FONT></A></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="vertical-align: top; width: 96%; text-align: left"><A HREF="#Item9ChangesinandDisagreementswithAccountantsonAccountingandFinancialDisclosure102"><FONT size=2 face=Arial>Changes in and Disagreements with Accountants on Accounting and Financial Disclosure</FONT></A></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><A HREF="#Item9ChangesinandDisagreementswithAccountantsonAccountingandFinancialDisclosure102"><FONT size=2 face=Arial>102</FONT></A></TD></TR>

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   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; vertical-align: top"><A HREF="#Item9AControlsandProcedures102"><FONT size=2 face=Arial>Item 9A.</FONT></A></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="vertical-align: top; width: 96%; text-align: left"><A HREF="#Item9AControlsandProcedures102"><FONT size=2 face=Arial>Controls and Procedures</FONT></A></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><A HREF="#Item9AControlsandProcedures102"><FONT size=2 face=Arial>102</FONT></A></TD></TR>

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   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; vertical-align: top"><A HREF="#Item9BOtherInformation103"><FONT size=2 face=Arial>Item 9B.</FONT></A></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="vertical-align: top; width: 96%; text-align: left"><A HREF="#Item9BOtherInformation103"><FONT size=2 face=Arial>Other Information</FONT></A></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><A HREF="#Item9BOtherInformation103"><FONT size=2 face=Arial>103</FONT></A></TD></TR>

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   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; vertical-align: top"><A HREF="#PARTIII"><B><FONT size=2 face=Arial>PART III</FONT></B></A></TD>

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   <TD STYLE="vertical-align: top; width: 96%; text-align: left"></TD>

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   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD></TR>

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   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; vertical-align: top"><A HREF="#Item10DirectorsExecutiveOfficersandCorporateGovernance103"><FONT size=2 face=Arial>Item 10.</FONT></A></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="vertical-align: top; width: 96%; text-align: left"><A HREF="#Item10DirectorsExecutiveOfficersandCorporateGovernance103"><FONT size=2 face=Arial>Directors, Executive Officers and Corporate Governance</FONT></A></TD>

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   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><A HREF="#Item10DirectorsExecutiveOfficersandCorporateGovernance103"><FONT size=2 face=Arial>103</FONT></A></TD></TR>

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   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; vertical-align: top"><A HREF="#Item11ExecutiveCompensation103"><FONT size=2 face=Arial>Item 11.</FONT></A></TD>

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   <TD STYLE="vertical-align: top; width: 96%; text-align: left"><A HREF="#Item11ExecutiveCompensation103"><FONT size=2 face=Arial>Executive Compensation</FONT></A></TD>

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   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><A HREF="#Item11ExecutiveCompensation103"><FONT size=2 face=Arial>103</FONT></A></TD></TR>

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   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; vertical-align: top"><A HREF="#Item12SecurityOwnershipofCertainBeneficialOwnersandManagementandRelatedShareholderMatters103"><FONT size=2 face=Arial>Item 12.</FONT></A></TD>

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   <TD STYLE="vertical-align: top; width: 96%; text-align: left"><A HREF="#Item12SecurityOwnershipofCertainBeneficialOwnersandManagementandRelatedShareholderMatters103"><FONT size=2 face=Arial>Security Ownership of Certain Beneficial Owners and Management and Related Shareholder Matters</FONT></A></TD>

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   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><A HREF="#Item12SecurityOwnershipofCertainBeneficialOwnersandManagementandRelatedShareholderMatters103"><FONT size=2 face=Arial>103</FONT></A></TD></TR>

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   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; vertical-align: top"><A HREF="#Item13CertainRelationshipsandRelatedTransactionsandDirectorIndependence103"><FONT size=2 face=Arial>Item 13.</FONT></A></TD>

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   <TD STYLE="vertical-align: top; width: 96%; text-align: left"><A HREF="#Item13CertainRelationshipsandRelatedTransactionsandDirectorIndependence103"><FONT size=2 face=Arial>Certain Relationships and Related Transactions, and Director Independence</FONT></A></TD>

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   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><A HREF="#Item13CertainRelationshipsandRelatedTransactionsandDirectorIndependence103"><FONT size=2 face=Arial>103</FONT></A></TD></TR>

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   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; vertical-align: top"><A HREF="#Item14PrincipalAccountingFeesandServices103"><FONT size=2 face=Arial>Item 14.</FONT></A></TD>

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   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><A HREF="#Item14PrincipalAccountingFeesandServices103"><FONT size=2 face=Arial>103</FONT></A></TD></TR>

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   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; vertical-align: top"><A HREF="#Item15ExhibitsFinancialStatementSchedules103"><FONT size=2 face=Arial>Item 15.</FONT></A></TD>

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   <TD STYLE="vertical-align: top; width: 96%; text-align: left"><A HREF="#Item15ExhibitsFinancialStatementSchedules103"><FONT size=2 face=Arial>Exhibits, Financial Statement Schedules</FONT></A></TD>

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   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><A HREF="#Item15ExhibitsFinancialStatementSchedules103"><FONT size=2 face=Arial>103</FONT></A></TD></TR>

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   <TD width="98%" colSpan=3 noWrap align=left><A HREF="#SIGNATURES107"><B><FONT size=2 face=Arial>SIGNATURES</FONT></B></A></TD>

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   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><A HREF="#SIGNATURES107"><FONT size=2 face=Arial>107</FONT></A></TD></TR></TABLE>


<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>2</FONT></P>

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<P style="text-align: center;">
<B><FONT size=2 face="Arial">CAUTIONARY NOTE REGARDING<BR>FORWARD-LOOKING STATEMENTS</FONT></B></P>
<P style="text-align: justify;">
<FONT size=2 face="Arial">This Annual Report on Form 10-K contains statements which constitute forward-looking statements within the meaning of Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934, as amended (the &#147;Exchange Act&#148;). Forward-looking statements may relate to our financial condition, results of operation, plans, objectives, or future performance. These statements are based on many assumptions and estimates and are not guarantees of future performance. Our actual results may differ materially from those anticipated in any forward-looking statements, as they will depend on many factors about which we are unsure, including many factors which are beyond our control. The words &#147;may,&#148; &#147;would,&#148; &#147;could,&#148; &#147;should,&#148; &#147;will,&#148; &#147;expect,&#148; &#147;anticipate,&#148; &#147;predict,&#148; &#147;project,&#148; &#147;potential,&#148; &#147;believe,&#148; &#147;continue,&#148; &#147;assume,&#148; &#147;intend,&#148; &#147;plan,&#148; and &#147;estimate,&#148; as well as similar expressions, are meant to identify such forward-looking statements. Potential risks and uncertainties that could cause our actual results to differ from those anticipated in any forward-looking statements include, but are not limited to, those described below under Item 1 A. Risk Factors and the following:</FONT></P>


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<TR> <TD style="PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD> <TD vAlign=top width="99%"><FONT size=2 face="Arial">Restrictions or conditions imposed by our regulators on our operations;</FONT></TD></TR>

<TR> <TD style="PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD> <TD vAlign=top width="99%"><FONT size=2 face="Arial">Increases in competitive pressure in the banking and financial services industries;</FONT></TD></TR>

<TR> <TD style="PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD> <TD vAlign=top width="99%"><FONT size=2 face="Arial">Changes in access to funding or increased regulatory requirements with regard to funding;</FONT></TD></TR>

<TR> <TD style="PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD> <TD vAlign=top width="99%"><FONT size=2 face="Arial">Changes in deposit flows;</FONT></TD></TR>

<TR> <TD style="PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD> <TD vAlign=top width="99%"><FONT size=2 face="Arial">Credit losses as a result of declining real estate values, increasing interest rates, increasing unemployment, changes in payment behavior or other factors;</FONT></TD></TR>


<TR> <TD style="PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD> <TD vAlign=top width="99%"><FONT size=2 face="Arial">Credit losses due to loan concentration;</FONT></TD></TR>

<TR> <TD style="PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD> <TD vAlign=top width="99%"><FONT size=2 face="Arial">Changes in the amount of our loan portfolio collateralized by real estate and weaknesses in the real estate market;</FONT></TD></TR>

<TR> <TD style="PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD> <TD vAlign=top width="99%"><FONT size=2 face="Arial">Our ability to successfully execute our business strategy;</FONT></TD></TR>

<TR> <TD style="PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD> <TD vAlign=top width="99%"><FONT size=2 face="Arial">Our ability to attract and retain key personnel;</FONT></TD></TR>

<TR> <TD style="PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD> <TD vAlign=top width="99%"><FONT size=2 face="Arial">The success and costs of our expansion into the Greensboro, North Carolina, Raleigh, North Carolina and Atlanta, Georgia markets and into potential new markets;</FONT></TD></TR>

<TR> <TD style="PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD> <TD vAlign=top width="99%"><FONT size=2 face="Arial">Changes in the interest rate environment which could reduce anticipated or actual margins;</FONT></TD></TR>

<TR> <TD style="PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD> <TD vAlign=top width="99%"><FONT size=2 face="Arial">Changes in political conditions or the legislative or regulatory environment, including governmental initiatives affecting the financial services industry;</FONT></TD></TR>

<TR> <TD style="PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD> <TD vAlign=top width="99%"><FONT size=2 face="Arial">Changes in economic conditions resulting in, among other things, a deterioration in credit quality;</FONT></TD></TR>

<TR> <TD style="PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD> <TD vAlign=top width="99%"><FONT size=2 face="Arial">Changes occurring in business conditions and inflation;</FONT></TD></TR>

<TR> <TD style="PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD> <TD vAlign=top width="99%"><FONT size=2 face="Arial">Increased cybersecurity risk, including potential business disruptions or financial losses;</FONT></TD></TR>

<TR> <TD style="PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD> <TD vAlign=top width="99%"><FONT size=2 face="Arial">Changes in technology;</FONT></TD></TR>

<TR> <TD style="PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD> <TD vAlign=top width="99%"><FONT size=2 face="Arial">The adequacy of the level of our allowance for loan losses and the amount of loan loss provisions required in future periods;</FONT></TD></TR>

<TR> <TD style="PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD> <TD vAlign=top width="99%"><FONT size=2 face="Arial">Examinations by our regulatory authorities, including the possibility that the regulatory authorities may, among other things, require us to increase our allowance for loan losses or write-down assets;</FONT></TD></TR>

<TR> <TD style="PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD> <TD vAlign=top width="99%"><FONT size=2 face="Arial">Changes in monetary and tax policies;</FONT></TD></TR>

<TR> <TD style="PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD> <TD vAlign=top width="99%"><FONT size=2 face="Arial">The rate of delinquencies and amounts of loans charged-off;</FONT></TD></TR>

<TR> <TD style="PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD> <TD vAlign=top width="99%"><FONT size=2 face="Arial">The rate of loan growth in recent years and the lack of seasoning of a portion of our loan portfolio;</FONT></TD></TR>

<TR> <TD style="PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD> <TD vAlign=top width="99%"><FONT size=2 face="Arial">Our ability to maintain appropriate levels of capital and to comply with our capital ratio requirements;</FONT></TD></TR>

<TR> <TD style="PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD> <TD vAlign=top width="99%"><FONT size=2 face="Arial">Adverse changes in asset quality and resulting credit risk-related losses and expenses;</FONT></TD></TR>

<TR> <TD style="PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD> <TD vAlign=top width="99%"><FONT size=2 face="Arial">Changes in accounting policies and practices;</FONT></TD></TR>

<TR> <TD style="PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD> <TD vAlign=top width="99%"><FONT size=2 face="Arial">Adverse effects of failures by our vendors to provide agreed upon services in the manner and at the cost agreed;</FONT></TD></TR></TABLE>


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<FONT size=2 face="Arial">3</FONT></P>
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   <TD style="PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>

   <TD vAlign=top width="99%"><FONT size=2 face=Arial>The potential effects of events beyond our control that may have a destabilizing effect on financial markets and the economy, such as epidemics and pandemics, including the potential effects of coronavirus on international trade (including supply chains and export levels, travel, employee activity and other economic activities), war or terrorist activities, essential utility outages or trade disputes and related tariffs; and</FONT></TD></TR>

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   <TD vAlign=top width="99%"><FONT size=2 face=Arial>Other risks and uncertainties detailed in this Annual Report on Form 10-K and, from time to time, in our other filings with the Securities and Exchange Commission (&#8220;SEC&#8221;).</FONT></TD></TR></TABLE>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>If any of these risks or uncertainties materialize, or if any of the assumptions underlying such forward-looking statements proves to be incorrect, our results could differ materially from those expressed in, implied or projected by, such forward-looking statements. For information with respect to factors that could cause actual results to differ from the expectations stated in the forward-looking statements, see &#8220;Risk Factors&#8221; under Part I, Item 1A of this Annual Report on Form 10-K. We urge investors to consider all of these factors carefully in evaluating the forward-looking statements contained in this Annual Report on Form 10-K. We make these forward-looking as of the date of this document and we do not intend, and assume no obligation, to update the forward-looking statements or to update the reasons why actual results could differ from those expressed in, or implied or projected by, the forward-looking statements.</FONT></P>

<P style="TEXT-ALIGN: justify"><B><A NAME="PARTI"></A><FONT size=2 face=Arial>PART I</FONT></B></P>

<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial><A NAME="Item1Business4"></A>Item 1. Business</FONT></B></P>

<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>General</FONT></B></P>

<P style="TEXT-ALIGN: justify"><B><I><FONT size=2 face=Arial>Southern First Bancshares, Inc. </FONT></I></B><FONT size=2 face=Arial>(the &#8220;Company&#8221;) was incorporated in March 1999 under the laws of South Carolina and is a bank holding company registered under the Bank Holding Company Act of 1956. Our primary business is to serve as the holding company for Southern First Bank (the &#8220;Bank&#8221;), a South Carolina state bank. The Bank is a commercial bank with ten retail offices located in the Greenville, Columbia, and Charleston markets of South Carolina, two retail offices in the Raleigh and Greensboro markets of North Carolina and one retail office in Atlanta, Georgia.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The Bank is primarily engaged in the business of accepting demand deposits and savings deposits insured by the Federal Deposit Insurance Corporation (the &#8220;FDIC&#8221;), and providing commercial, consumer and mortgage loans to the general public.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The Company&#8217;s reportable segments represent the distinct product lines the Company offers and are viewed separately for strategic planning purposes by management. The three segments include Commercial and Retail Banking, Mortgage Banking, and Corporate Operations as described below.</FONT></P>

<P style="TEXT-ALIGN: justify"><U><FONT size=2 face=Arial>Commercial and Retail Banking.</FONT></U><FONT size=2 face=Arial> The Company&#8217;s primary business is to provide traditional deposit and lending products and services to its commercial and retail banking clients. The commercial and retail banking segment is responsible for 219 of the Company&#146;s full-time equivalent employees (&#8220;FTEs&#8221;).</FONT></P>

<P style="TEXT-ALIGN: justify"><U><FONT size=2 face=Arial>Mortgage Banking.</FONT></U><FONT size=2 face=Arial> The mortgage banking segment provides mortgage loan origination services for loans that will be sold in the secondary market to investors and is responsible for 28 FTEs.</FONT></P>

<P style="TEXT-ALIGN: justify"><U><FONT size=2 face=Arial>Corporate Operations.</FONT></U><FONT size=2 face=Arial> Corporate operations is comprised primarily of compensation and benefits for certain members of management and interest on parent company debt. There are no direct employees of corporate operations, however a
portion of the salaries related to executive management and finance are allocated to this segment.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Unless the context requires otherwise, references to the &#8220;Company,&#8221; &#8220;we,&#8221; &#8220;us,&#8221; &#8220;our,&#8221; or similar references mean Southern First Bancshares, Inc. and its subsidiaries.</FONT></P>

<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>Our Competitive Strengths<BR></FONT></B><FONT size=2 face=Arial>We believe that the following business strengths have been instrumental to the success of our core operations. We believe these attributes will enable us to continue profitable growth, while remaining fundamentally sound and driving value to our shareholders.</FONT></P>

<P style="TEXT-ALIGN: justify"><B><I><FONT size=2 face=Arial>Simple and Efficient ClientFIRST Model. </FONT></I></B><FONT size=2 face=Arial>We operate our Bank using a simple and efficient style of banking that is focused on providing core banking products and services to our clients through a team of talented and experienced bankers. We refer to this model as &#8220;ClientFIRST&#8221; and it is structured to deliver superior client service via &#8220;relationship teams,&#8221; which provide each client with a specific banker contact and a consistent support team responsible for all of the client&#8217;s banking needs. We believe this model results in a consistent and superior level of professional service that provides us with a distinct competitive advantage by enabling us to build and maintain long-term relationships with desirable clients, enhancing the quality and stability of our funding and lending operations and positioning us to take advantage of future growth opportunities in our existing markets. We also believe that this client focused culture has led to our successful expansion into new markets in the past, and will enable us to be successful if we seek to expand into new markets in the future.</FONT></P>

<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>4</FONT></P>

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<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Our ClientFIRST model focuses on achieving cost efficiencies by diligently managing the growth of our number of employees and banking offices. We have historically insisted that the identification of talented bankers drives our growth strategy, as opposed to a more general desire to enter a specific geography or market. This strategy translates into a smaller number of brick and mortar offices relative to our size and compared to peer banks, but larger overall deposit balances in our offices as compared to peers. As a result, our offices average approximately $121 million in total deposits. We believe this style of banking allows us to deliver exceptional client service, while achieving lower efficiency ratios relative to our local competitors, as evidenced by our 54.1% efficiency ratio for the year ended December 31, 2019.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>We continue to make significant investments in our IT systems and technology offerings to our clients that we believe will continue to drive low-cost deposit growth. We believe that our current mobile banking, on-line banking and cash management offerings are industry-leading solutions amongst community banks, and we plan to continue to invest in the latest technology solutions to ensure we meet the evolving needs of our clients and maintain this competitive advantage over other community banks.</FONT></P>

<P style="TEXT-ALIGN: justify"><B><I><FONT size=2 face=Arial>Attractive South Carolina, North Carolina and Georgia Markets. </FONT></I></B><FONT size=2 face=Arial>We have ten banking offices located in Greenville, Columbia and Charleston, South Carolina, which are the three largest markets in South Carolina, two banking offices located in Raleigh and Greensboro, North Carolina, which are the second and third largest markets in North Carolina, respectively, and one banking office located in Atlanta, Georgia, which is the largest market in Georgia. The following table illustrates our market share, by insured deposits as of the dates indicated, in these five markets:</FONT></P>

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   <TD width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Our Market Deposits at</FONT></B></TD>

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   <TD STYLE="vertical-align: middle; width: 92%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Market</FONT></B><B><FONT size=1 face=Arial><SUP>(1)</SUP></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial><SUP></SUP></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Total Offices</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>June 30, 2019</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Deposits<SUP>(2)</SUP></FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="92%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=center><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=center>&nbsp;</TD>

   <TD width="5%" colSpan=5 noWrap align=center><FONT size=1 face=Arial>(Dollars in thousands)</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 92%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial>Greenville</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>4</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; $</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>913,304</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial>&nbsp; $</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>17,460,035</FONT></TD></TR>

<TR vAlign=bottom>

   <TD width="92%" noWrap align=left><FONT size=2 face=Arial>Charleston</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>3</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>430,287</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>14,740,258</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 92%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial>Columbia</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>3</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>354,002</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>19,730,295</FONT></TD></TR>

<TR vAlign=bottom>

   <TD width="92%" noWrap align=left><FONT size=2 face=Arial>Atlanta</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>105,762</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>177,260,712</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 92%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial>Raleigh</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>1</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>54,693</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>28,587,631</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 92%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>Greensboro</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>1</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>13,340</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>12,611,375</FONT></TD></TR>
</TABLE><BR>

<DIV>

<TABLE style="FONT-SIZE: 7pt; WIDTH: 100%" cellSpacing=0 cellPadding=0 border=0>



<TR>

   <TD STYLE="width: 1%; padding-right: 8pt"><FONT size=1 face=Arial><SUP>(1)</SUP></FONT></TD>

   <TD width="99%">



   <P style="TEXT-ALIGN: justify"><FONT size=1 face=Arial>Represents the metropolitan statistical area (&#8220;MSA&#8221;) for each market.</FONT></P></TD></TR>

<TR>

   <TD STYLE="width: 1%; padding-right: 8pt"><FONT size=1 face=Arial><SUP>(2)</SUP></FONT></TD>

   <TD width="99%">



   <P style="TEXT-ALIGN: justify"><FONT size=1 face=Arial>The total market deposits data displayed are as of June 30, 2019 as reported by the FDIC.</FONT></P></TD></TR></TABLE></DIV>

<P style="TEXT-ALIGN: justify"><I><FONT size=2 face=Arial>Greenville. </FONT></I><FONT size=2 face=Arial>The city of Greenville is located in Greenville County, South Carolina approximately midway between Atlanta and Charlotte on the heavily traveled I-85 business corridor. The Greenville-Anderson-Mauldin MSA is the most populous market in South Carolina with an estimated 906,626 residents as reported in 2019. The median household income for the Greenville-Anderson-Mauldin MSA was $55,790 for 2019. A large and diverse metropolitan area, the Greenville-Anderson-Mauldin MSA is one of the southeast region&#8217;s premier areas for business, serving as headquarters for Michelin and Hubbell Lighting as well as hosting significant operations for BMW and Lockheed Martin.</FONT></P>

<P style="TEXT-ALIGN: justify"><I><FONT size=2 face=Arial>Columbia. </FONT></I><FONT size=2 face=Arial>The city of Columbia is located in Richland County, South Carolina and its surrounding suburban areas expand into adjoining Lexington County. Columbia is the state capital, the largest city in the state and the home of the University of South Carolina and Fort Jackson, the Army&#8217;s largest Initial Entry Training Center. The Columbia MSA is the second most populous market in the state with an estimated population of 833,165 residents as reported in 2019. The median household income for the Columbia MSA was $53,765 for 2019.</FONT></P>

<P style="TEXT-ALIGN: justify"><I><FONT size=2 face=Arial>Charleston. </FONT></I><FONT size=2 face=Arial>The city of Charleston is located in Charleston County, South Carolina. The Charleston-North Charleston MSA is the third most populous market in the state with an estimated population of 787,643 residents as reported in 2019. Charleston is home to the deepest port in the Southeast and boasts top companies in the aerospace, biomedical and technology fields such as Boeing, the Medical University of South Carolina (MUSC) and Blackbaud. The median household income for the Charleston-North Charleston MSA was approximately $64,283 for 2019. One of our retail offices in the Charleston market is located in the city of Mount Pleasant, which is located just north of Charleston in Charleston County and ranks as the fourth largest city in South Carolina.</FONT></P>



<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>5</FONT></P>

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<P style="TEXT-ALIGN: justify"><I><FONT size=2 face=Arial>Raleigh</FONT></I><FONT size=2 face=Arial>. The city of Raleigh is the second largest city in the state and is located in Wake County, North Carolina. The Raleigh MSA is one of the most populous markets in the state of North Carolina with an estimated population of 1.36 million residents as reported in 2019. Raleigh is the state capital and is home to North Carolina State University and is part of the Research Triangle area, together with Durham, North Carolina (home of Duke University) and Chapel Hill, North Carolina (home of the University of North Carolina at Chapel Hill). The median household income for the Raleigh MSA was approximately $75,165 for 2019.</FONT></P>

<P style="TEXT-ALIGN: justify"><I><FONT size=2 face=Arial>Greensboro</FONT></I><FONT size=2 face=Arial>. The city of Greensboro is the third largest city in North Carolina and is located in Guilford County. The Greensboro-High Point MSA has an estimated population of 767,711 residents as reported in 2019. Greensboro has traditionally been a fixture in the textiles, tobacco and furniture industries while also moving towards an increased presence of high-tech, aviation and transportation/logistics sectors. Greensboro, along with Winston-Salem and High Point, is commonly referred to as the Triad region of North Carolina and is home to companies such as Honda Aircraft, Lincoln Financial Group and Volvo Trucks of North America. The median household income for the Greensboro MSA was approximately $50,026 for 2019.</FONT></P>

<P style="TEXT-ALIGN: justify"><I><FONT size=2 face=Arial>Atlanta</FONT></I><FONT size=2 face=Arial>. The Atlanta-Sandy Springs-Roswell MSA has the ninth largest population in the U.S. with 5.95 million residents as reported in 2019. Atlanta is the state capital of, and largest city in, Georgia and is the world headquarters of corporations such as Coca-Cola, Home Depot, UPS, Delta Airlines and Turner Broadcasting. The median household income for the Atlanta MSA is $69,464.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>We believe that the demographics and growth characteristics of these six markets will provide us with significant opportunities to further develop existing client relationships and expand our client base.</FONT></P>

<P style="TEXT-ALIGN: justify"><B><I><FONT size=2 face=Arial>Experienced Management Team, Dedicated Board of Directors and Talented Employees. </FONT></I></B><FONT size=2 face=Arial>Our senior management team is led by R. Arthur Seaver, Jr. and Michael D. Dowling, whose biographies are included below. Mr. F. Justin Strickland served as President from 2006 through January 21, 2020, at which time he resigned from his position with the Bank. These executives lead a team of 37 additional senior team members which we believe compares favorably to any community bank management team assembled in South Carolina.</FONT></P>

<P style="TEXT-ALIGN: justify"><I><FONT size=2 face=Arial>R. Arthur &#8220;Art&#8221; Seaver, Jr</FONT></I><FONT size=2 face=Arial>. has served as the Chief Executive Officer of our Company and our Bank since 1999. He has over 30 years of banking experience. From 1986 until 1992, Mr. Seaver held various positions with The Citizens &amp; Southern National Bank of South Carolina. From 1992 until February 1999, he was with Greenville National Bank, which was acquired by Regions Bank in 1998. He was the Senior Vice President in lending and was also responsible for managing Greenville National Bank&#8217;s deposit strategies prior to leaving to form the Bank. Mr. Seaver is a 1986 graduate of Clemson University with a bachelor&#8217;s degree in Financial Management and a 1999 graduate of the BAI Graduate School of Community Bank Management.</FONT></P>

<P style="TEXT-ALIGN: justify"><I><FONT size=2 face=Arial>Michael D. Dowling </FONT></I><FONT size=2 face=Arial>has served as an Executive Vice President and the Chief Financial Officer of our Company and our Bank since 2011 and as Chief Operating Officer since July 2019. He has over 25 years of experience in the banking industry. Mr. Dowling was previously employed with KPMG LLP from 1994 until 2011, including most recently as an Audit Partner (2005-2011) and a member of KPMG&#8217;s Financial Services practice. Mr. Dowling has extensive experience working with public companies and financial institutions. He is a 1993 graduate of Clemson University, with a degree in Accounting and is a CPA in South Carolina and North Carolina.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>In addition to Messrs. Seaver and Dowling, our executive management team consists of 11 individuals who bring an average of 25 years of experience in the banking industry.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The management team is complemented by a dedicated board of directors with extensive local market knowledge and a wide range of experience including accounting, business, banking, manufacturing, insurance, management and finance. We believe that our management&#8217;s and board&#8217;s incentives are closely aligned with our shareholders through the ownership of a substantial amount of our stock. As of December 31, 2019, our executive officers and board of directors owned an aggregate of 778,368 shares of our common stock, including options to purchase shares of our common stock, which represented approximately 9.97% of the fully-diluted amount of our common stock outstanding. We believe that our officers&#8217; and directors&#8217; experience and local market knowledge are valuable assets and will enable them to guide us successfully in the future.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>In addition, we believe that we have assembled a group of highly talented employees by being an employer of choice in the markets we serve. We employed a total of 242 full-time equivalent employees as of December 31, 2019. Our employees are skilled in the areas of banking, information technology, management, sales, advertising and marketing, among others. We strive to provide an &#8220;umbrella for great talent,&#8221; characterized by a culture of transparency and collaboration which permeates all levels of the organization. To drive our culture of transparency and collaboration, our employees engage in a series of weekly meetings to understand the goals and plan for each week. These meetings are intended to remind our employees of our vision, strategy and ClientFIRST service, and provide our employees with information regarding monthly and quarterly goals and client or prospect needs. In addition, each week is started with a meeting of all Senior and Executive Vice Presidents to ensure that all team members are informed on the latest developments of our Company. Our employees and their ClientFIRST approach to service have been instrumental to our success.</FONT></P>

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<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>Our Business Strategy<BR></FONT></B><FONT size=2 face=Arial>We are focused on growing business relationships and building core deposits, profitable loans and noninterest income. We believe that we have built a dynamic franchise that meets the financial needs of our clients by providing an array of personalized products and services delivered by seasoned banking professionals with knowledge of our local markets. Our overall strategic goal is to provide the highest level of service to our clients while achieving high-performance metrics within the community banking market that drive franchise and shareholder value. Our specific business strategies include:</FONT></P>
<P style="TEXT-ALIGN: justify"><B><I><FONT size=2 face=Arial>Focus on Profitable and Efficient Growth. </FONT></I></B><FONT size=2 face=Arial>Our executive management team and board of directors are dedicated to producing profits and returns for our shareholders. We actively manage the mix of assets and liabilities on our balance sheet to optimize our net interest margin while also maintaining expense controls and developing noninterest income streams. By continually striving to build a well-structured balance sheet, we seek to increase profitability and improve our return on average assets, return on average equity and efficiency ratio. We believe that, as the economy continues to improve, our focus on maximizing our net interest margin and minimizing our efficiency ratio while maintaining credit quality controls will translate into continued and improved profitability and shareholder returns. We are committed to enhancing these levels of profitability by focusing on our core competencies of commercial lending and core deposit gathering. We believe that we have the infrastructure currently in place, such as technology, support staff and administration, to support expansion with limited associated noninterest expense increases.</FONT></P>
<P style="TEXT-ALIGN: justify"><B><I><FONT size=2 face=Arial>Provide a Distinctive Client Experience. </FONT></I></B><FONT size=2 face=Arial>Our markets have been subject to consolidation of local community banks primarily by larger, out-of-state financial institutions. We believe there is a large client base in our markets that prefers doing business with a local institution and may be dissatisfied with the service offered by national and larger regional banks. We believe that the exceptional level of professional service provided to our clients as a result of our ClientFIRST model provides us with a distinct competitive advantage over our local competitors. We also believe that technology innovation will continue to play a critical role in retaining clients and winning new business. We believe that our current mobile banking, on-line banking and cash management offerings are industry-leading solutions amongst community banks. During 2019, 75% of deposits were acquired through our office network, 21% came through the commercial remote deposit capture channel and the remaining 4% came through consumer mobile deposits. We believe that the volume in remote deposit capture and mobile deposit channels will continue to increase over time as more clients become acquainted with the convenience these services provide. By delivering superior professional service through our ClientFIRST model, coupled with our deep understanding of our markets and our commitment to providing the latest technology solutions to meet our clients&#8217; banking needs, we believe that we can attract new clients and expand our total loans and deposits.</FONT></P>
<P style="TEXT-ALIGN: justify"><B><I><FONT size=2 face=Arial>Maintain a Rigorous Risk Management Infrastructure. </FONT></I></B><FONT size=2 face=Arial>As we grow, one of our top priorities is to continue to build a robust enterprise risk management infrastructure. We believe effective risk management requires a culture of risk management and governance throughout the Company. The legislative and regulatory landscape continues to quickly evolve, so we are continually performing risk assessments throughout the organization and re-allocating resources where appropriate. We will continue to add new resources and technology investments to help enhance all of our risk management processes throughout the Bank. Our risk management success is exemplified by our historic credit risk management and disciplined underwriting practices, which have enabled us to successfully grow our balance sheet while maintaining strong credit quality metrics. We do not reduce our credit standards or pricing discipline to generate new loans. In addition, we are heavily focused on compliance risk and cybersecurity risk, as both of these risks have increased since our inception. Our management team continually analyzes emerging fraud and security risks and utilizes tools, strategies and policies to manage risk while delivering an optimal and appropriate client experience. We believe our risk management structure allows our board and senior management to maintain effective oversight of our risks to ensure that our personnel are following prudent and appropriate risk management practices resulting in strong loan quality and minimal loan losses.</FONT></P>
<P style="TEXT-ALIGN: justify"><B><I><FONT size=2 face=Arial>Attract Talented Banking Professionals With A &#8220;ClientFIRST&#8221; Focus. </FONT></I></B><FONT size=2 face=Arial>We believe that our ability to attract and retain banking professionals with strong community relationships and significant knowledge of our markets will continue to drive our success and grow our business in an efficient manner. By focusing on experienced, established bankers who deliver exceptional client service through our ClientFIRST model, we believe we can enhance our market position and add profitable growth opportunities. We believe that the strength of our exceptional client service and relationship banking approach will continue to help us attract these established bankers. In recent years, we have invested in our internal infrastructure, including support and back office personnel, and we believe that we can continue to add experienced frontline bankers to our existing markets, which will drive our efficient growth.</FONT></P>
<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>7</FONT></P>
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<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>We will continue to expand our franchise, but only in a controlled manner. We may choose to open new locations, but only after rigorous due diligence and substantial quantitative analysis regarding the financial and capital impacts of such investments. We may also choose to enter new metropolitan markets contiguous to, or nearby, our current South Carolina footprint, such as our recently opened expansions in Raleigh and Greensboro, North Carolina and Atlanta, Georgia, but only after careful study and the identification and vetting of a local, senior level banking team with significant experience and reputational strength in that market. We have not yet supplemented our historic strategy of organic deposit and loan growth with traditional mergers or acquisitions. We evaluate potential acquisition opportunities that we believe would be complementary to our business as part of our growth strategy. However, we have not yet identified any specific acquisition opportunity that meets our strict requirements and do not have any immediate plans, arrangements or understandings relating to any acquisition. Furthermore, we do not believe an acquisition is necessary to successfully drive our growth and execute our ClientFIRST model.</FONT></P>
<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>Lending Activities</FONT></B></P>
<P style="TEXT-ALIGN: justify"><I><FONT size=2 face=Arial>General. </FONT></I><FONT size=2 face=Arial>We emphasize a range of lending services, including real estate, commercial, and equity-line consumer loans to individuals and small- to medium-sized businesses and professional firms that are located in or conduct a substantial portion of their business in our market area. Our underwriting standards vary for each type of loan, as described below. Because loans typically provide higher interest yields than other types of interest-earning assets, we invest a substantial percentage of our earning assets in our loan portfolio. At December 31, 2019, we had net loans of $1.93 billion, representing 85.0% of our total assets.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>We have focused our lending activities primarily on the professional markets in Greenville, Columbia, Charleston, Raleigh, Greensboro and Atlanta including doctors, dentists, and small business owners. By focusing on this client base and by serving each client with a consistent relationship team of bankers, we have generated a loan portfolio with larger average loan amounts than we believe is typical for a community bank. As of December 31, 2019, our average loan size was approximately $250,000. Excluding home equity lines of credit, the average loan size was approximately $304,000. At the same time, we have strived to maintain a diversified loan portfolio and limit the amount of our loans to any single client. As of December 31, 2019, our 10 largest client loan relationships represented approximately $198.5 million, or 10.2%, of our loan portfolio.</FONT></P>
<P style="TEXT-ALIGN: justify"><I><FONT size=2 face=Arial>Loan Approval</FONT></I><FONT size=2 face=Arial>. Certain credit risks are inherent in making loans. These include prepayment risks, risks resulting from uncertainties in the future value of collateral, risks resulting from changes in economic and industry conditions, and risks inherent in dealing with individual borrowers. We attempt to mitigate repayment risks by adhering to internal credit policies and procedures. These policies and procedures include officer and client lending limits, a multi-layered approval process for larger loans, documentation examination, and follow-up procedures for any exceptions to credit policies. Our loan approval policies provide for various levels of officer lending authority. When the amount of aggregate loans to a single borrower exceeds an individual officer&#8217;s lending authority, the loan request will be considered for approval by a team of officers led by a senior lender, or by the voting members of the Credit Approval Support Team (&#8220;CAST&#8221;) committee, based on the loan amount. The CAST committee, which is comprised of a group of our senior commercial lenders, chief banking officer, and chief executive officer, has pre-determined lending limits, and any loans in excess of this lending limit will be submitted for approval by the finance committee of our board or by the full board. We do not make any loans to any director or executive officer of the Bank unless the loan is approved by the board of directors of the Bank and all loans to directors, officers and employees are on terms not more favorable to such person than would be available to a person not affiliated with the Bank, consistent with federal banking regulations.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Management monitors exposure to credit risk from potential concentrations of loans to particular borrowers or groups of borrowers, industries and geographic regions, as well as concentrations of lending products and practices such as loans that subject borrowers to substantial payment increases (e.g. principal deferral periods, loans with initial interest-only periods, etc.), and loans with high loan-to-value ratios. These types of loans are subject to strict underwriting standards and are more closely monitored than a loan with a low loan-to-value ratio. Furthermore, there are industry practices that could subject us to increased credit risk should economic conditions change over the course of a loan&#8217;s life. For example, we make variable rate loans and fixed rate principal-amortizing loans with maturities prior to the loan being fully paid (i.e. balloon payment loans). The various types of loans are individually underwritten and monitored to manage the associated risks.</FONT></P>
<P style="TEXT-ALIGN: justify"><I><FONT size=2 face=Arial>Credit Administration and Loan Review</FONT></I><FONT size=2 face=Arial>. We maintain a continuous loan review system. We also apply a credit grading system to each loan, and we use an independent process to review the loan files on a test basis to assess the grading of each loan. We periodically review performance benchmarks established by management in the areas of nonperforming assets, charge-offs, past dues, and loan documentation. Each loan officer is responsible for each loan he or she makes, regardless of whether other individuals or committees joined in the approval. This responsibility continues until the loan is repaid or until the loan is officially assigned to another officer.</FONT></P>
<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>8</FONT></P>
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<P style="TEXT-ALIGN: justify"><I><FONT size=2 face=Arial>Lending Limits. </FONT></I><FONT size=2 face=Arial>Our lending activities are subject to a variety of lending limits imposed by federal and state laws and regulations. In general, the Bank is subject to a legal limit on loans to a single borrower equal to 15% of the Bank&#8217;s capital and unimpaired surplus. Based upon the capitalization of the Bank at December 31, 2019, the maximum amount we could lend to one borrower was $37.6 million. However, to mitigate concentration risk, our internal lending limit at December 31, 2019 was $26.3 million and may vary based on our assessment of the lending relationship. The board of directors will adjust the internal lending limit as deemed necessary to continue to mitigate risk and serve our clients. The Bank&#8217;s legal lending limit will increase or decrease in response to increases or decreases in the Bank&#8217;s level of capital. We are able to sell participations in our larger loans to other financial institutions, which allow us to manage the risk involved in these loans and to meet the lending needs of our clients requiring extensions of credit in excess of these limits.</FONT></P>
<P style="TEXT-ALIGN: justify"><I><FONT size=2 face=Arial>Loan Portfolio Segments. </FONT></I><FONT size=2 face=Arial>Our loan portfolio is comprised of commercial and consumer loans made to small businesses and individuals for various business and personal purposes. While our loan portfolio is not concentrated in loans to any single borrower or a relatively small number of borrowers, the principal component of our loan portfolio is loans secured by real estate mortgages on either commercial or residential property. These loans will generally fall into one of the following six categories: commercial owner occupied real estate, commercial non-owner occupied real estate, commercial construction, consumer real estate, consumer construction, and home equity loans. We obtain a security interest in real estate whenever possible, in addition to any other available collateral, in order to increase the likelihood of the ultimate repayment of the loan. At December 31, 2019, loans secured by first or second mortgages on commercial and consumer real estate made up approximately 82.8% of our loan portfolio. In addition to loans secured by real estate, our loan portfolio includes commercial business loans and other consumer loans which comprised 15.9% and 1.3%, respectively, of our total loan portfolio at December 31, 2019.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Interest rates for all real estate loan categories may be fixed or adjustable, and will more likely be fixed for shorter-term loans. We generally charge an origination fee for each loan which is taken into income over the life of the loan as an adjustment to the loan yield. Other loan fees consist primarily of late charge fees. Real estate loans are subject to the same general risks as other loans and are particularly sensitive to fluctuations in the value of real estate. Fluctuations in the value of real estate, as well as other factors arising after a loan has been made, could negatively affect a borrower&#8217;s cash flow, creditworthiness, and ability to repay the loan. Although, the loans are collateralized by real estate, the primary source of repayment may not be the sale of real estate.</FONT></P>


<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The following describes the types of loans in our loan portfolio.</FONT></P>

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   <TD STYLE="vertical-align: top; width: 99%"><I><FONT size=2 face=Arial>Commercial Real Estate Loans (Commercial Owner Occupied and Commercial Non-owner Occupied Real Estate Loans). </FONT></I><FONT size=2 face=Arial>At December 31, 2019, commercial owner occupied and non-owner occupied real estate loans (other than construction loans) amounted to $909.7 million, or 46.8% of our loan portfolio. Of our commercial real estate loan portfolio, $501.9 million in loans were non-owner occupied properties, representing 38.7% of our commercial real estate portfolio and 25.8% of our total loan portfolio. The remainder of our commercial real estate loan portfolio, $407.9 million in loans or 31.4% of the commercial loan portfolio, were owner occupied. </FONT><FONT size=2 face=Arial>Owner occupied loans represented 21.0% of our total loan portfolio. At December 31, 2019, our individual commercial real estate loans ranged in size from approximately $10,000 to $21.1 million, with an average loan size of approximately $668,000. These loans generally have terms of five years or less, although payments may be structured on a longer amortization basis. We evaluate each borrower on an individual basis and attempt to determine the business risks and credit profile of each borrower. We attempt to reduce credit risk in the commercial real estate portfolio by emphasizing loans on owner-occupied office and retail buildings where the loan-to-value ratio, established by independent appraisals, does not exceed 85%. We also generally require that a borrower&#8217;s cash flow exceeds 115% of monthly debt service obligations. In order to ensure secondary sources of payment and liquidity to support a loan request, we typically review all of the personal financial statements of the principal owners and require their personal guarantees.</FONT></TD></TR>
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   <TD STYLE="vertical-align: top; width: 99%"><I><FONT size=2 face=Arial>Construction Real Estate Loans. </FONT></I><FONT size=2 face=Arial>We offer adjustable and fixed rate construction real estate loans for commercial and consumer projects, typically to builders and developers and to consumers who wish to build their own homes. </FONT><FONT size=2 face=Arial>At December 31, 2019, total commercial and consumer construction loans amounted to $122.0 million, or 6.3% of our loan portfolio. Commercial construction loans represented $80.5 million, or 4.1%, of our total loan portfolio, while consumer construction loans represented $41.5 million, or 2.1% of our total loan portfolio. At December 31, 2019, our commercial construction real estate loans ranged in size from approximately $55,000 to $12.9 million, with an average loan balance of approximately $1.0 million. At December 31, 2019, our consumer or residential construction loans ranged in size from approximately $40,000 to $4.4 million, with an average loan size of approximately $409,000. The duration of our construction loans generally is limited to 18 months, although payments may be structured on a longer amortization basis. Commercial construction loans generally carry a higher degree of risk than long-term financing of existing properties because repayment depends on the ultimate completion of the project and sometimes on the sale of the property. Specific risks include:</FONT></TD></TR></TABLE>
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   <TD vAlign=top width="99%"><FONT size=2 face=Arial>mismanaged construction;</FONT></TD></TR>
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   <TD vAlign=top width="99%"><FONT size=2 face=Arial>economic changes or downturns during construction;</FONT></TD></TR>
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   <TD vAlign=top width="99%"><FONT size=2 face=Arial>a downturn in the real estate market;</FONT></TD></TR>
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   <TD vAlign=top width="99%"><FONT size=2 face=Arial>rising interest rates which may prevent sale of the property; and</FONT></TD></TR>
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<P style="TEXT-ALIGN: justify; PADDING-LEFT: 15pt"><FONT size=2 face=Arial>We attempt to reduce the risk associated with construction loans by obtaining personal guarantees where possible and by keeping the loan-to-value ratio of the completed project at or below 80%.</FONT></P>
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   <TD vAlign=top width="99%"><I><FONT size=2 face=Arial>Commercial Business Loans. </FONT></I><FONT size=2 face=Arial>We make loans for commercial purposes in various lines of businesses, including the manufacturing, service industry, and professional service areas. At December 31, 2019, commercial business loans amounted to $308.1 million, or 15.9% of our loan portfolio, and ranged in size from approximately $5,000 to $13.6 million, with an average loan size of approximately $193,000. Commercial loans are generally considered to have greater risk than first or second mortgages on real estate because commercial loans may be unsecured, or if they are secured, the value of the collateral may be difficult to assess and more likely to decrease than real estate. </FONT>

   <BR><BR><FONT size=2 face=Arial>We are eligible to offer small business loans utilizing government enhancements such as the Small Business Administration&#8217;s (&#8220;SBA&#8221;) 7(a) program and SBA&#8217;s 504 programs. These loans typically are partially guaranteed by the government, which helps to reduce their risk. Government guarantees of SBA loans do not exceed, and are generally less than, 80% of the loan. As of December 31, 2019, we had originated one loan utilizing government enhancements.</FONT></TD></TR>
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   <TD vAlign=top width="99%"><I><FONT size=2 face=Arial>Consumer Real Estate Loans and Home Equity Loans. </FONT></I><FONT size=2 face=Arial>At December 31, 2019 consumer real estate loans (other than construction loans) amounted to $578.0 million, or 29.8% of our loan portfolio. Included in the consumer real estate loans was $398.2 million, or 20.5% of our loan portfolio, in first and second mortgages on individuals&#8217; homes, while home equity loans represented $179.7 million, or 9.3% of our total loan portfolio. At December 31, 2019, our individual residential real estate loans ranged in size from $10,000 to $6.0 million, with an average loan size of approximately $392,000. Generally, we limit the loan-to-value ratio on our consumer real estate loans to 85%. We offer fixed and adjustable rate consumer real estate loans with terms of up to 30 years. We typically offer these long-term fixed rate loans through a third party rather than originating and retaining these loans ourselves. Consumer real estate and home equity loans that we retain on our balance sheet typically have terms of 10 years or less. We also offer home equity lines of credit. At December 31, 2019, our individual home equity lines of credit ranged in size from $5,000 to $1.8 million, with an average of approximately $91,000. Our underwriting criteria and the risks associated with home equity loans and lines of credit are generally the same as those for first mortgage loans. Home equity lines of credit typically have terms of ten years or less. We generally limit the extension of credit to 90% of the market value of each property, although we may extend up to 100% of the market value.</FONT></TD></TR>
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   <TD vAlign=top width="99%"><I><FONT size=2 face=Arial>Other Consumer Loans. </FONT></I><FONT size=2 face=Arial>We make a variety of loans to individuals for personal and household purposes, including secured and unsecured installment loans and revolving lines of credit. These consumer loans are underwritten based on the borrower&#8217;s income, current debt level, past credit history, and the availability and value of collateral. Consumer rates are both fixed and variable, with negotiable terms. At December 31, 2019, consumer loans other than real estate amounted to $25.7 million, or 1.3% of our loan portfolio, and ranged in size from $5,000 to $2.0 million, with an average loan size of approximately $16,000. Our installment loans typically amortize over periods up to 60 months. We will offer consumer loans with a single maturity date when a specific source of repayment is available. We typically require monthly payments of interest and a portion of the principal on our revolving loan products. Consumer loans are generally considered to have greater risk than first or second mortgages on real estate because they may be unsecured, or, if they are secured, the value of the collateral may be difficult to assess and more likely to decrease in value than real estate.</FONT></TD></TR></TABLE>
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<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>Deposit Services</FONT></B></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Our principal source of funds is core deposits. We offer a full range of deposit services, including checking accounts, commercial checking accounts, savings accounts, and other time deposits of various types, ranging from daily money market accounts to long-term certificates of deposit. Our out-of-market, or wholesale, certificates of deposits represented $67.4 million, or 3.6%, of total deposits at December 31, 2019</FONT><FONT size=2 face=Arial>. </FONT><FONT size=2 face=Arial>In an effort to obtain lower cost deposits, we have focused on expanding our retail deposit program. We currently have 13 retail offices which assist us in obtaining low cost transaction accounts that are less affected by rising rates. Deposit rates are reviewed regularly by our senior management. We believe that the rates we offer are competitive with those offered by other financial institutions in our area. We focus on client service and our ClientFIRST culture to attract and retain deposits.</FONT></P>
<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>Other Banking Services</FONT></B></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>In addition to deposit and loan services, we offer other bank services such as internet banking, cash management, safe deposit boxes, direct deposit, automatic drafts, bill payment and mobile banking services. We earn fees for most of these services, including debit and credit card transactions, sales of checks, and wire transfers. We also receive ATM transaction fees from transactions performed by our clients. We are associated with the NYCE, Pulse, STAR, and Cirrus networks, which are available to our clients throughout the country. Since we outsource our ATM services, we are charged related transaction fees from our ATM service provider. We have contracted with Fidelity National Information Systems, an outside computer service company, to provide our core data processing services and our ATM processing. By outsourcing these services, we believe we are able to reduce our overhead by matching the expense in each period to the transaction volume that occurs during the period, as a significant portion of the fee charged is directly related to the number of loan and deposit accounts and the related number of transactions we have during the period. We believe that by being associated with a shared network of ATMs, we are better able to serve our clients and are able to attract clients who are accustomed to the convenience of using ATMs, although we do not believe that maintaining this association is critical to our success. We also offer Internet banking services, bill payment services, and cash management and mobile banking services.</FONT></P>
<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>Competition</FONT></B></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The banking business is highly competitive, and we experience competition in our market from many other financial institutions. Competition among financial institutions is based upon interest rates offered on deposit accounts, interest rates charged on loans, other credit and service charges relating to loans, the quality and scope of the services rendered, the convenience of banking facilities, and, in the case of loans to commercial borrowers, relative lending limits. We compete with commercial banks, credit unions, savings and loan associations, mortgage banking firms, consumer finance companies, securities brokerage firms, insurance companies, money market funds, and other mutual funds, as well as other super-regional, national, and international financial institutions that operate offices in Greenville, Columbia and Charleston, South Carolina; Raleigh and Greensboro, North Carolina; Atlanta, Georgia and elsewhere.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>As of June 30, 2019, the most recent date for which market data is available, there were 32 financial institutions in our primary market of Greenville County, 17 financial institutions in the Columbia market, 28 financial institutions in the Charleston market, 33 financial institutions in the Raleigh market, 20 financial institutions in the Greensboro market and 47 financial institutions in the Atlanta market. We compete with other financial institutions in our market areas both in attracting deposits and in making loans. In addition, we have to attract our client base from other existing financial institutions and from new residents. Many of our competitors are well-established, larger financial institutions with substantially greater resources and lending limits, such as, Bank of America, Wells Fargo, and Truist. These institutions offer some services, such as extensive and established branch networks and trust services that we do not provide. In addition, many of our non-bank competitors are not subject to the same extensive federal regulations that govern bank holding companies and federally insured banks. We believe the financial services industry will likely continue to become more competitive as further technological advances enable more financial institutions to provide expanded financial services without having a physical presence in our markets. Because larger competitors have advantages in attracting business from larger corporations, we do not generally compete for that business. Instead, we concentrate our efforts on attracting the business of individuals and small and medium-size businesses. With regard to such accounts, we generally compete on the basis of client service and responsiveness to client needs, the convenience of our offices and hours, and the availability and pricing of our products and services.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>We believe our commitment to quality and personalized banking services through our ClientFIRST culture is a factor that contributes to our competitiveness and success.</FONT></P>
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<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>Employees</FONT></B></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>At December 31, 2019, we employed a total of 242 full-time equivalent employees. We provide our full-term employees and certain part-time employees with a comprehensive program of benefits, including medical benefits, life insurance, long-term disability coverage and a 401(k) plan. Our employees are not represented by a collective bargaining agreement. Management considers its employee relations to be excellent.</FONT></P>

<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>Available Information</FONT></B></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>We file Annual Reports on Form 10-K, Quarterly Reports on Form 10-Q, and Current Reports on Form 8-K with the SEC which are accessible electronically at the SEC&#8217;s website at </FONT><B><FONT size=2 face=Arial>www.sec.gov</FONT></B><B><FONT size=2 face=Arial>. </FONT></B><FONT size=2 face=Arial>We maintain an Internet website at </FONT><FONT size=2 face=Arial>www.southernfirst.com </FONT><FONT size=2 face=Arial>where these reports can also be accessed free of charge. No information contained on our website is intended to be included as part of, or incorporated by reference into, this Annual Report on Form 10-K.</FONT></P>

<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>SUPERVISION AND REGULATION</FONT></B></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Both the Company and the Bank are subject to extensive state and federal banking laws and regulations that impose specific requirements or restrictions on and provide for general regulatory oversight of virtually all aspects of our operations. These laws and regulations are generally intended to protect depositors, not shareholders. Changes in applicable laws or regulations may have a material effect on our business and prospects.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The following discussion is not intended to be a complete list of all the activities regulated by the banking laws or of the impact of such laws and regulations on our operations. It is intended only to briefly summarize some material provisions. The following summary is qualified by reference to the statutory and regulatory provisions discussed.</FONT></P>

<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>Legislative and Regulatory Developments</FONT></B></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Although the financial crisis has now passed, two legislative and regulatory responses &#8211; the Dodd-Frank Wall Street Reform and Consumer Protection Act (the &#8220;Dodd-Frank Act&#8221;) and the Basel III-based capital rules &#8211; will continue to have an impact on our operations.</FONT></P>

<P style="TEXT-ALIGN: justify"><I><FONT size=2 face=Arial>The Dodd-Frank Wall Street Reform and Consumer Protection Act</FONT></I></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The Dodd-Frank Act was signed into law in July 2010 and impacts financial institutions in numerous ways, including:</FONT></P>

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<TR> <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD> <TD vAlign=top width="99%"><FONT size=2 face=Arial>Capping interchange fees that banks charge merchants for debit card transactions,</FONT></TD></TR>
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<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>There are many provisions in the Dodd-Frank Act mandating regulators to adopt new regulations and conduct studies upon which future regulation may be based. While some have been issued, many remain to be issued. Governmental intervention and new regulations could materially and adversely affect our business, financial condition and results of operations.</FONT></P>

<P style="TEXT-ALIGN: justify"><I><FONT size=2 face=Arial>The Economic Growth, Regulatory Relief, and Consumer Protection Act</FONT></I></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>On May 24, 2018, President Trump signed into law the first major financial services reform bill since the enactment of the Dodd-Frank Act. The Economic Growth, Regulatory Relief, and Consumer Protection Act (the &#8220;Reform Law&#8221;) modifies or eliminates certain requirements on community and regional banks and nonbank financial institutions. For instance, under the Reform Act and related rule making:</FONT></P>

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   <TD VALIGN="TOP" WIDTH="99%" STYLE="text-align: justify"><FONT style="COLOR: #000000" face=arial>banks that have less than $10 billion in total consolidated assets and total trading assets and trading liabilities of less than five percent of total consolidated assets from Section 619 of the Dodd-Frank Act, known as the &#8220;Volcker Rule&#8221;, which prohibits &#8220;proprietary trading&#8221; and the ownership or sponsorship of private equity or hedge funds that are referred to as &#8220;covered funds&#8221;;</FONT></TD></TR>

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   <TD VALIGN="TOP" WIDTH="99%" STYLE="text-align: justify"><FONT style="COLOR: #000000" face=arial>the asset threshold for bank holding companies to qualify for treatment under the &#8220;Small Bank Holding Company and Savings and Loan Holding Company Policy Statement&#8221; was raised from $1 billion to $3 billion, which exempts these institutions (including the Company) from certain regulatory requirements including the Basel III capital rules;</FONT></TD></TR>

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   <TD VALIGN="TOP" WIDTH="99%" STYLE="text-align: justify"><FONT style="COLOR: #000000" face=arial>a new &#8220;community bank leverage ratio&#8221; was adopted, which is applicable to certain banks and bank holding companies with total assets of less than $10 billion (as described below under &#8220;Basel Capital Standards&#8221;); and</FONT></TD></TR>

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   <TD VALIGN="TOP" WIDTH="99%" STYLE="text-align: justify"><FONT style="COLOR: #000000" face=arial>banks with up to $3 billion in total consolidated assets may be examined by their federal banking regulator every 18 months (as opposed to every 12 months).</FONT></TD></TR></TABLE>


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<P style="TEXT-ALIGN: justify"><I><FONT size=2 face=Arial>Basel Capital Standards</FONT></I></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Regulatory capital rules adopted in July 2013 and fully phased in as of January 1, 2019, which we refer to as Basel III, impose minimum capital requirements for bank holding companies and banks. The Basel III rules apply to all national and state banks and savings and loan associations regardless of size and bank holding companies and savings and loan holding companies other than &#8220;small bank holding companies,&#8221; generally holding companies with consolidated assets of less than $3 billion. The Company is currently considered a &#8220;small bank holding company.&#8221; More stringent requirements are imposed on &#8220;advanced approaches&#8221; banking organizations-those organizations with $250 billion or more in total consolidated assets, $10 billion or more in total foreign exposures, or that have opted in to the Basel II capital regime.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The rules include certain higher risk-based capital and leverage requirements than those previously in place. Specifically, the following minimum capital requirements apply to the Bank:</FONT></P>

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   <TD VALIGN="TOP" WIDTH="99%" STYLE="text-align: justify"><FONT style="COLOR: #000000" face=arial>a new common equity Tier 1 (&#8220;CET1&#8221;) risk-based capital ratio of 4.5%;</FONT></TD></TR>

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   <TD VALIGN="TOP" WIDTH="99%" STYLE="text-align: justify"><FONT style="COLOR: #000000" face=arial>a Tier 1 risk-based capital ratio of 6%;</FONT></TD></TR>

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   <TD VALIGN="TOP" WIDTH="99%" STYLE="text-align: justify"><FONT style="COLOR: #000000" face=arial>a total risk-based capital ratio of 8%; and</FONT></TD></TR>

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<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Under Basel III, Tier 1 capital includes two components: CET1 capital and additional Tier 1 capital. The highest form of capital, CET1 capital, consists solely of common stock (plus related surplus), retained earnings, accumulated other comprehensive income, otherwise referred to as AOCI, and limited amounts of minority interests that are in the form of common stock. Additional Tier 1 capital is primarily comprised of noncumulative perpetual preferred stock, Tier 1 minority interests and grandfathered trust preferred securities (as discussed below). Tier 2 capital generally includes the allowance for loan losses up to 1.25% of risk-weighted assets, qualifying preferred stock, subordinated debt and qualifying tier 2 minority interests, less any deductions in Tier 2 instruments of an unconsolidated financial institution. Cumulative perpetual preferred stock is included only in Tier 2 capital, except that the Basel III rules permit bank holding companies with less than $15 billion in total consolidated assets to continue to include trust preferred securities and cumulative perpetual preferred stock issued before May 19, 2010 in Tier 1 Capital (but not in CET1 capital), subject to certain restrictions. AOCI is presumptively included in CET1 capital and often would operate to reduce this category of capital. When implemented, Basel III provided a one-time opportunity at the end of the first quarter of 2015 for covered banking organizations to opt out of much of this treatment of AOCI. We made this opt-out election and, as a result, retained our pre-existing treatment for AOCI.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>In addition, in order to avoid restrictions on capital distributions or discretionary bonus payments to executives, under Basel III, a banking organization must maintain a &#8220;capital conservation buffer&#8221; on top of its minimum risk-based capital requirements. This buffer must consist solely of CET1 capital, but the buffer applies to all three risk-based measurements (CET1, Tier 1 capital and total capital). The 2.5% capital conservation buffer was phased in incrementally over time, and became fully effective for us on January 1, 2019, resulting in the following effective minimum capital plus capital conservation buffer ratios: (i) a CET1 capital ratio of 7.0%, (ii) a Tier 1 risk-based capital ratio of 8.5%, and (iii) a total risk-based capital ratio of 10.5%.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>On December 21, 2018, the federal banking agencies issued a joint final rule to revise their regulatory capital rules to (i) address the upcoming implementation of a new credit impairment model, the Current Expected Credit Loss, or CECL </FONT><FONT size=2 face=Arial>model, an accounting standard under GAAP; (ii) provide an optional three-year phase-in period for the day-one adverse regulatory capital effects that banking organizations are expected to experience upon adopting CECL; and (iii) require the </FONT><FONT size=2 face=Arial>use of CECL in stress tests beginning with the 2020 capital planning and stress testing cycle for certain banking organizations that are subject to stress testing. We are currently evaluating the impact the CECL model will have on our accounting and expect to recognize a one-time cumulative-effect adjustment to our allowance for loan losses as of the beginning of the first quarter of 2023, the first reporting period in which the new standard is effective. At this time, we cannot yet reasonably determine the magnitude of such one-time cumulative adjustment, if any, or of the overall impact of the new standard on our business, financial condition or results of operations.</FONT></P>

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<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>In November 2019, the federal banking regulators published final rules under the Reform Law (discussed above) implementing a simplified measure of capital adequacy for certain banking organizations that have less than $10 billion in total consolidated assets. Under the final rules, which went into effect on January 1, 2020, depository institutions and depository institution holding companies that have less than $10 billion in total consolidated assets and meet other qualifying criteria, including a leverage ratio of greater than 9%, off-balance-sheet exposures of 25% or less of total consolidated assets and trading assets plus trading liabilities of 5% or less of total consolidated assets, are deemed &#8220;qualifying community banking organizations&#8221; and are eligible to opt into the &#8220;community bank leverage ratio framework.&#8221; A qualifying community banking organization that elects to use the community bank leverage ratio framework and that maintains a leverage ratio of greater than 9% is considered to have satisfied the generally applicable risk-based and leverage capital requirements under the Basel III rules and, if applicable, is considered to have met the &#8220;well capitalized&#8221; ratio requirements for purposes of its primary federal regulator&#8217;s prompt corrective action rules, discussed below. The final rules include a two-quarter grace period during which a qualifying community banking organization that temporarily fails to meet any of the qualifying criteria, including the greater-than-9% leverage capital ratio requirement, is generally still deemed &#8220;well capitalized&#8221; so long as the banking organization maintains a leverage capital ratio greater than 8%. A banking organization that fails to maintain a leverage capital ratio greater than 8% is not permitted to use the grace period and must comply with the generally applicable requirements under the Basel III rules and file the appropriate regulatory reports. We do not have any immediate plans to elect to use the community bank leverage ratio framework but may make such an election in the future.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>As of December 31, 2019, the Bank was well-capitalized, as defined by FDIC regulations. As of December 31, 2019, the Company had regulatory capital in excess of the Federal Reserve&#8217;s requirements and met the Basel III rule requirements to be well-capitalized.</FONT></P>

<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>Proposed Legislation and Regulatory Action</FONT></B></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>From time to time, various legislative and regulatory initiatives are introduced in Congress and state legislatures, as well as by regulatory agencies. Such initiatives may include proposals to expand or contract the powers of bank holding companies and depository institutions or proposals to substantially change the financial institution regulatory system. Such legislation could change banking statutes and the operating environment of the Company in substantial and unpredictable ways. If enacted, such legislation could increase or decrease the cost of doing business, limit or expand permissible activities or affect the competitive balance among banks, savings associations, credit unions, and other financial institutions. We cannot predict whether any such legislation will be enacted, and, if enacted, the effect that it, or any implementing regulations, would have on the financial condition or results of operations of the Company. A change in statutes, regulations or regulatory policies applicable to the Company or the Bank could have a material effect on the business of the Company.</FONT></P>

<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>Southern First Bancshares, Inc.</FONT></B></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>We own 100% of the outstanding capital stock of the Bank, and therefore we are considered to be a bank holding company under the federal Bank Holding Company Act of 1956 (the &#8220;Bank Holding Company Act&#8221;). As a result, we are primarily subject to the supervision, examination and reporting requirements of the Federal Reserve under the Bank Holding Company Act and its regulations promulgated thereunder. Moreover, as a bank holding company of a bank located in South Carolina, we also are subject to the South Carolina Banking and Branching Efficiency Act.</FONT></P>

<P style="TEXT-ALIGN: justify"><B><I><FONT size=2 face=Arial>Permitted Activities. </FONT></I></B><FONT size=2 face=Arial>Under the Bank Holding Company Act, a bank holding company is generally permitted to engage in, or acquire direct or indirect control of more than 5% of the voting shares of any company engaged in, the following activities:</FONT></P>

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   <TD vAlign=top width="99%"><FONT style="COLOR: #000000" face=arial>banking or managing or controlling banks;</FONT></TD></TR>

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   <TD vAlign=top width="99%"><FONT style="COLOR: #000000" face=arial>furnishing services to or performing services for our subsidiaries; and</FONT></TD></TR>

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   <TD vAlign=top width="99%"><FONT style="COLOR: #000000" face=arial>any activity that the Federal Reserve determines to be so closely related to banking as to be a proper incident to the business of banking.</FONT></TD></TR></TABLE>



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<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Activities that the Federal Reserve has found to be so closely related to banking as to be a proper incident to the business of banking include:</FONT></P>

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   <TD VALIGN="TOP" WIDTH="99%" STYLE="text-align: justify"><FONT style="COLOR: #000000" face=arial>factoring accounts receivable;</FONT></TD></TR>

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   <TD VALIGN="TOP" WIDTH="99%" STYLE="text-align: justify"><FONT style="COLOR: #000000" face=arial>making, acquiring, brokering or servicing loans and usual related activities;</FONT></TD></TR>

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   <TD VALIGN="TOP" WIDTH="99%" STYLE="text-align: justify"><FONT style="COLOR: #000000" face=arial>leasing personal or real property;</FONT></TD></TR>

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   <TD VALIGN="TOP" WIDTH="99%" STYLE="text-align: justify"><FONT style="COLOR: #000000" face=arial>operating a non-bank depository institution, such as a savings association;</FONT></TD></TR>

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   <TD VALIGN="TOP" WIDTH="99%" STYLE="text-align: justify"><FONT style="COLOR: #000000" face=arial>trust company functions;</FONT></TD></TR>

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   <TD VALIGN="TOP" WIDTH="99%" STYLE="text-align: justify"><FONT style="COLOR: #000000" face=arial>financial and investment advisory activities;</FONT></TD></TR>

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   <TD VALIGN="TOP" WIDTH="99%" STYLE="text-align: justify"><FONT style="COLOR: #000000" face=arial>conducting discount securities brokerage activities;</FONT></TD></TR>

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   <TD VALIGN="TOP" WIDTH="99%" STYLE="text-align: justify"><FONT style="COLOR: #000000" face=arial>underwriting and dealing in government obligations and money market instruments;</FONT></TD></TR>

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   <TD VALIGN="TOP" WIDTH="99%" STYLE="text-align: justify"><FONT style="COLOR: #000000" face=arial>providing specified management consulting and counseling activities;</FONT></TD></TR>

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   <TD VALIGN="TOP" WIDTH="99%" STYLE="text-align: justify"><FONT style="COLOR: #000000" face=arial>performing selected data processing services and support services;</FONT></TD></TR>

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   <TD VALIGN="TOP" WIDTH="99%" STYLE="text-align: justify"><FONT style="COLOR: #000000" face=arial>acting as agent or broker in selling credit life insurance and other types of insurance in connection with credit transactions; and</FONT></TD></TR>

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   <TD VALIGN="TOP" WIDTH="99%" STYLE="text-align: justify"><FONT style="COLOR: #000000" face=arial>performing selected insurance underwriting activities.</FONT></TD></TR></TABLE>




<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>As a bank holding company we also can elect to be treated as a &#8220;financial holding company,&#8221; which would allow us to engage in a broader array of activities. In summary, a financial holding company can engage in activities that are financial in nature or incidental or complimentary to financial activities, including insurance underwriting, sales and brokerage activities, providing financial and investment advisory services, underwriting services and limited merchant banking activities. We have not sought financial holding company status, but may elect such status in the future as our business matures. If we were to elect financial holding company status, each insured depository institution we control would have to be well capitalized, well managed and have at least a satisfactory rating under the Community Reinvestment Act as discussed below.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The Federal Reserve has the authority to order a bank holding company or its subsidiaries to terminate any of these activities or to terminate its ownership or control of any subsidiary when it has reasonable cause to believe that the Bank holding company&#8217;s continued ownership, activity or control constitutes a serious risk to the financial safety, soundness or stability of it or any of its bank subsidiaries.</FONT></P>

<P style="TEXT-ALIGN: justify"><B><I><FONT size=2 face=Arial>Change in Control</FONT></I></B><FONT size=2 face=Arial>. Two statutes, the Bank Holding Company Act and the Change in Bank Control Act, together with regulations promulgated under them, require some form of regulatory review before any company may acquire &#8220;control&#8221; of a bank or a bank holding company. Under the Bank Holding Company Act, control is deemed to exist if a company acquires 25% or more of any class of voting securities of a bank holding company; controls the election of a majority of the members of the board of directors; or exercises a controlling influence over the management or policies of a bank or bank holding company. In guidance issued in 2008, the Federal Reserve has stated that it would not expect control to exist if a person acquires, in aggregate, less than 33% of the total equity of a bank or bank holding company (voting and nonvoting equity), provided such person&#8217;s ownership does not include 15% or more of any class of voting securities. Prior Federal Reserve approval is necessary before an entity acquires sufficient control to become a bank holding company. Natural persons, certain non-business trusts, and other entities are not treated as companies (or bank holding companies), and their acquisitions are not subject to review under the Bank Holding Company Act. State laws generally, including South Carolina law, require state approval before an acquirer may become the holding company of a state bank.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Under the Change in Bank Control Act, a person or company is required to file a notice with the Federal Reserve if it will, as a result of the transaction, own or control 10% or more of any class of voting securities or direct the management or policies of a bank or bank holding company and either if the bank or bank holding company has registered securities or if the acquirer would be the largest holder of that class of voting securities after the acquisition. For a change in control at the holding company level, both the Federal Reserve and the subsidiary bank's primary federal regulator must approve the change in control; at the bank level, only the bank's primary federal regulator is involved. Transactions subject to the Bank Holding Company Act are exempt from Change in Control Act requirements. For state banks, state laws, including that of South Carolina, typically require approval by the state bank regulator as well.</FONT></P>

<P style="TEXT-ALIGN: justify"><B><I><FONT size=2 face=Arial>Source of Strength</FONT></I></B><FONT size=2 face=Arial>. There are a number of obligations and restrictions imposed by law and regulatory policy on bank holding companies with regard to their depository institution subsidiaries that are designed to minimize potential loss to depositors and to the FDIC insurance funds in the event that the depository institution becomes in danger of defaulting under its obligations to repay deposits. Under a policy of the Federal Reserve, a bank holding company is required to serve as a source of financial strength to its subsidiary depository institutions and to commit resources to support such institutions in circumstances where it might not do so absent such policy. Under the Federal Deposit Insurance Corporation Improvement Act of 1991, to avoid receivership of its insured depository institution subsidiary, a bank holding company is required to guarantee the compliance of any insured depository institution subsidiary that may become &#8220;undercapitalized&#8221; within the terms of any capital restoration plan filed by such subsidiary with its appropriate federal banking agency up to the lesser of (i) an amount equal to 5% of the institution&#8217;s total assets at the time the institution became undercapitalized, or (ii) the amount which is necessary (or would have been necessary) to bring the institution into compliance with all applicable capital standards as of the time the institution fails to comply with such capital restoration plan.</FONT></P>

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<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The Federal Reserve also has the authority under the Bank Holding Company Act to require a bank holding company to terminate any activity or relinquish control of a nonbank subsidiary (other than a nonbank subsidiary of a bank) upon the Federal Reserve's determination that such activity or control constitutes a serious risk to the financial soundness or stability of any subsidiary depository institution of the bank holding company. Further, federal law grants federal bank regulatory authorities&#8217; additional discretion to require a bank holding company to divest itself of any bank or nonbank subsidiary if the agency determines that divestiture may aid the depository institution's financial condition.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>In addition, the &#8220;cross guarantee&#8221; provisions of the Federal Deposit Insurance Act (the &#8220;FDIA&#8221;) require insured depository institutions under common control to reimburse the FDIC for any loss suffered or reasonably anticipated by the FDIC as a result of the default of a commonly controlled insured depository institution or for any assistance provided by the FDIC to a commonly controlled insured depository institution in danger of default. The FDIC&#8217;s claim for damages is superior to claims of shareholders of the insured depository institution or its holding company, but is subordinate to claims of depositors, secured creditors and holders of subordinated debt (other than affiliates) of the commonly controlled insured depository institutions.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The FDIA also provides that amounts received from the liquidation or other resolution of any insured depository institution by any receiver must be distributed (after payment of secured claims) to pay the deposit liabilities of the institution prior to payment of any other general or unsecured senior liability, subordinated liability, general creditor or shareholder. This provision would give depositors a preference over general and subordinated creditors and shareholders in the event a receiver is appointed to distribute the assets of our Bank.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Any capital loans by a bank holding company to any of its subsidiary banks are subordinate in right of payment to deposits and to certain other indebtedness of such subsidiary bank. In the event of a bank holding company&#8217;s bankruptcy, any commitment by the bank holding company to a federal bank regulatory agency to maintain the capital of a subsidiary bank will be assumed by the bankruptcy trustee and entitled to a priority of payment.</FONT></P>

<P style="TEXT-ALIGN: justify"><B><I><FONT size=2 face=Arial>Capital Requirements</FONT></I></B><FONT size=2 face=Arial>. The Federal Reserve imposes certain capital requirements on the bank holding company under the Bank Holding Company Act, including a minimum leverage ratio and a minimum ratio of &#8220;qualifying&#8221; capital to risk-weighted assets. These requirements are essentially the same as those that apply to the Bank and are described above under &#8220;Basel III Capital Standards.&#8221; However, because the Company currently qualifies as a small bank holding company, these capital requirements do not currently apply to the Company. Subject to certain restrictions, we are able to borrow money to make a capital contribution to the Bank, and these loans may be repaid from dividends paid from the Bank to the Company. Our ability to pay dividends depends on, among other things, the Bank&#8217;s ability to pay dividends to us, which is subject to regulatory restrictions as described below in &#8220;Southern First Bank&#8212;Dividends.&#8221;</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>We are also able to raise capital for contribution to the Bank by issuing securities without having to receive regulatory approval, subject to compliance with federal and state securities laws.</FONT></P>

<P style="TEXT-ALIGN: justify"><B><I><FONT size=2 face=Arial>Dividends. </FONT></I></B><FONT size=2 face=Arial>Since the Company is a bank holding company, its ability to declare and pay dividends is dependent on certain federal and state regulatory considerations, including the guidelines of the Federal Reserve. The Federal Reserve has issued a policy statement regarding the payment of dividends by bank holding companies. In general, the Federal Reserve&#8217;s policies provide that dividends should be paid only out of current earnings and only if the prospective rate of earnings retention by the bank holding company appears consistent with the organization&#8217;s capital needs, asset quality and overall financial condition. The Federal Reserve&#8217;s policies also require that a bank holding company serve as a source of financial strength to its subsidiary banks by standing ready to use available resources to provide adequate capital funds to those banks during periods of financial stress or adversity and by maintaining the financial flexibility and capital-raising capacity to obtain additional resources for assisting its subsidiary banks where necessary. Further, under the prompt corrective action regulations, the ability of a bank holding company to pay dividends may be restricted if a subsidiary bank becomes undercapitalized. These regulatory policies could affect the ability of the Company to pay dividends or otherwise engage in capital distributions.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>In addition, since the Company is a legal entity separate and distinct from the Bank and does not conduct stand-alone operations, its ability to pay dividends depends on the ability of the Bank to pay dividends to it, which is also subject to regulatory restrictions as described below in &#8220;Southern First Bank &#8211; Dividends.&#8221;</FONT></P>

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<P style="TEXT-ALIGN: justify"><B><I><FONT size=2 face=Arial>South Carolina State Regulation. </FONT></I></B><FONT size=2 face=Arial>As a South Carolina bank holding company under the South Carolina Banking and Branching Efficiency Act, we are subject to limitations on sale or merger and to regulation by the South Carolina Board of Financial Institutions (the &#8220;S.C. Board&#8221;). We are not required to obtain the approval of the S.C. Board prior to acquiring the capital stock of a national bank, but we must notify them at least 15 days prior to doing so. We must receive the S.C. Board&#8217;s approval prior to engaging in the acquisition of a South Carolina state chartered bank or another South Carolina bank holding company.</FONT></P>

<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>Southern First Bank</FONT></B></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>As a South Carolina bank, deposits in the Bank are insured by the FDIC up to a maximum amount, which is currently $250,000 per depositor. The S.C. Board and the FDIC regulate or monitor virtually all areas of the Bank&#8217;s operations, including;</FONT></P>

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   <TD VALIGN="TOP" WIDTH="99%" STYLE="text-align: justify"><FONT style="COLOR: #000000" face=arial>security devices and procedures;</FONT></TD></TR>

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   <TD VALIGN="TOP" WIDTH="99%" STYLE="text-align: justify"><FONT style="COLOR: #000000" face=arial>adequacy of capitalization and loss reserves;</FONT></TD></TR>

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   <TD VALIGN="TOP" WIDTH="99%" STYLE="text-align: justify"><FONT style="COLOR: #000000" face=arial>loans;</FONT></TD></TR>

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   <TD VALIGN="TOP" WIDTH="99%" STYLE="text-align: justify"><FONT style="COLOR: #000000" face=arial>investments;</FONT></TD></TR>

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   <TD VALIGN="TOP" WIDTH="99%" STYLE="text-align: justify"><FONT style="COLOR: #000000" face=arial>borrowings;</FONT></TD></TR>

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   <TD VALIGN="TOP" WIDTH="99%" STYLE="text-align: justify"><FONT style="COLOR: #000000" face=arial>deposits;</FONT></TD></TR>

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   <TD VALIGN="TOP" WIDTH="99%" STYLE="text-align: justify"><FONT style="COLOR: #000000" face=arial>mergers;</FONT></TD></TR>

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   <TD VALIGN="TOP" WIDTH="99%" STYLE="text-align: justify"><FONT style="COLOR: #000000" face=arial>issuances of securities;</FONT></TD></TR>

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   <TD VALIGN="TOP" WIDTH="99%" STYLE="text-align: justify"><FONT style="COLOR: #000000" face=arial>payment of dividends;</FONT></TD></TR>

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   <TD VALIGN="TOP" WIDTH="99%" STYLE="text-align: justify"><FONT style="COLOR: #000000" face=arial>interest rates payable on deposits;</FONT></TD></TR>

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   <TD VALIGN="TOP" WIDTH="99%" STYLE="text-align: justify"><FONT style="COLOR: #000000" face=arial>interest rates or fees chargeable on loans;</FONT></TD></TR>

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   <TD VALIGN="TOP" WIDTH="99%" STYLE="text-align: justify"><FONT style="COLOR: #000000" face=arial>establishment of branches;</FONT></TD></TR>

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   <TD style="PADDING-LEFT: 15pt; PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt; COLOR: #000000">&#9679;</FONT></TD>

   <TD VALIGN="TOP" WIDTH="99%" STYLE="text-align: justify"><FONT style="COLOR: #000000" face=arial>corporate reorganizations;</FONT></TD></TR>

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   <TD style="PADDING-LEFT: 15pt; PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt; COLOR: #000000">&#9679;</FONT></TD>

   <TD VALIGN="TOP" WIDTH="99%" STYLE="text-align: justify"><FONT style="COLOR: #000000" face=arial>maintenance of books and records; and</FONT></TD></TR>

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   <TD VALIGN="TOP" WIDTH="99%" STYLE="text-align: justify"><FONT style="COLOR: #000000" face=arial>adequacy of staff training to carry on safe lending and deposit gathering practices.</FONT></TD></TR></TABLE>


<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>These agencies, and the federal and state laws applicable to the Bank&#8217;s operations, extensively regulate various aspects of our banking business, including, among other things, permissible types and amounts of loans, investments and other activities, capital adequacy, branching, interest rates on loans and on deposits, the maintenance of reserves on demand deposit liabilities, and the safety and soundness of our banking practices.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>All insured institutions must undergo regular on-site examinations by their appropriate banking agency. The cost of examinations of insured depository institutions and any affiliates may be assessed by the appropriate federal banking agency against each institution or affiliate as it deems necessary or appropriate. Insured institutions are required to submit annual reports to the FDIC, their federal regulatory agency, and state supervisor when applicable. The FDIC has developed a method for insured depository institutions to provide supplemental disclosure of the estimated fair market value of assets and liabilities, to the extent feasible and practicable, in any balance sheet, financial statement, report of condition or any other report of any insured depository institution. The FDIC and the other federal banking regulatory agencies also have issued standards for all insured depository institutions relating, among other things, to the following:</FONT></P>

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   <TD vAlign=top width="99%"><FONT style="COLOR: #000000" face=arial>internal controls;</FONT></TD></TR>

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   <TD vAlign=top width="99%"><FONT style="COLOR: #000000" face=arial>information systems and audit systems;</FONT></TD></TR>

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   <TD vAlign=top width="99%"><FONT style="COLOR: #000000" face=arial>loan documentation;</FONT></TD></TR>

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   <TD vAlign=top width="99%"><FONT style="COLOR: #000000" face=arial>credit underwriting;</FONT></TD></TR>

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   <TD vAlign=top width="99%"><FONT style="COLOR: #000000" face=arial>interest rate risk exposure; and</FONT></TD></TR>

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   <TD style="PADDING-LEFT: 15pt; PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt; COLOR: #000000">&#9679;</FONT></TD>

   <TD vAlign=top width="99%"><FONT style="COLOR: #000000" face=arial>asset quality.</FONT></TD></TR></TABLE>


<P style="TEXT-ALIGN: justify"><B><I><FONT size=2 face=Arial>Prompt Corrective Action. </FONT></I></B><FONT size=2 face=Arial>As an insured depository institution, the Bank is required to comply with the capital requirements promulgated under the FDIA and the prompt corrective action regulations thereunder, which set forth five capital categories, each with specific regulatory consequences. Under these regulations, the categories are:</FONT></P>

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   <TD VALIGN="TOP" WIDTH="99%" STYLE="text-align: justify"><FONT style="COLOR: #000000" face=arial>Well Capitalized &#8212; The institution exceeds the required minimum level for each relevant capital measure. A well-capitalized institution (i) has a total risk-based capital ratio of 10% or greater, (ii) has a Tier 1 risk-based capital ratio of 8% or greater, (iii) has a common equity Tier 1 risk-based capital ratio of 6.5% or greater, (iv) has a leverage capital ratio of 5% or greater, and (v) is not subject to any order or written directive to meet and maintain a specific capital level for any capital measure.</FONT></TD></TR></TABLE>


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   <TD STYLE="vertical-align: top; width: 99%; text-align: justify"><FONT style="COLOR: #000000" face=arial>Adequately Capitalized &#8212; The institution meets the required minimum level for each relevant capital measure. No capital distribution may be made that would result in the institution becoming undercapitalized. An adequately capitalized institution (i) has a total risk-based capital ratio of 8% or greater, (ii) has a Tier 1 risk-based capital ratio of 6% or greater, (iii) has a common equity Tier 1 risk-based capital ratio of 4.5% or greater, and (iv) has a leverage capital ratio of 4% or greater.</FONT></TD></TR>


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   <TD STYLE="vertical-align: top; text-align: justify"><FONT style="COLOR: #000000" face=arial>Undercapitalized &#8212; The institution fails to meet the required minimum level for any relevant capital measure. An undercapitalized institution (i) has a total risk-based capital ratio of less than 8%, (ii) has a Tier 1 risk-based capital ratio of less than 6%, (iii) has a common equity Tier 1 risk-based capital ratio of less than 4.5% or greater, or (iv) has a leverage capital ratio of less than 4%.</FONT></TD></TR>


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   <TD STYLE="vertical-align: top; text-align: justify"><FONT style="COLOR: #000000" face=arial>Significantly Undercapitalized &#8212; The institution is significantly below the required minimum level for any relevant capital measure. A significantly undercapitalized institution (i) has a total risk-based capital ratio of less than 6%, (ii) has a Tier 1 risk-based capital ratio of less than 4%, (iii) has a common equity Tier 1 risk-based capital ratio of less than 3% or greater, or (iv) has a leverage capital ratio of less than 3%.</FONT></TD></TR>


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   <TD STYLE="vertical-align: top; text-align: justify"><FONT style="COLOR: #000000" face=arial>Critically Undercapitalized &#8212; The institution fails to meet a critical capital level set by the appropriate federal banking agency. A critically undercapitalized institution has a ratio of tangible equity to total assets that is equal to or less than 2%.</FONT></TD></TR></TABLE>


<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Effective with the March 31, 2020 Call Report, qualifying community banking organizations that elect to use the new community bank leverage ratio framework and that maintain a leverage ratio of greater than 9.0% will be considered to have satisfied the risk-based and leverage capital requirements to be deemed well-capitalized.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>If the FDIC determines, after notice and an opportunity for hearing, that the Bank is in an unsafe or unsound condition, the regulator is authorized to reclassify the Bank to the next lower capital category (other than critically undercapitalized) and require the submission of a plan to correct the unsafe or unsound condition.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>If a bank is not well capitalized, it cannot accept brokered deposits without prior regulatory approval. Even if approved, rate restrictions will govern the rate a bank may pay on brokered deposits. In addition, a bank that is not well capitalized cannot offer an effective yield in excess of 75 basis points over interest paid on deposits of comparable size and maturity in such institution&#8217;s normal market area for deposits accepted from within its normal market area, or national rate paid on deposits of comparable size and maturity for deposits accepted outside the bank&#8217;s normal market area. Moreover, the FDIC generally prohibits a depository institution from making any capital distributions (including payment of a dividend) or paying any management fee to its parent holding company if the depository institution would thereafter be categorized as undercapitalized. Undercapitalized institutions are subject to growth limitations (an undercapitalized institution may not acquire another institution, establish additional branch offices or engage in any new line of business unless determined by the appropriate federal banking agency to be consistent with an accepted capital restoration plan, or unless the FDIC determines that the proposed action will further the purpose of prompt corrective action) and are required to submit a capital restoration plan. The agencies may not accept a capital restoration plan without determining, among other things, that the plan is based on realistic assumptions and is likely to succeed in restoring the depository institution&#8217;s capital. In addition, for a capital restoration plan to be acceptable, the depository institution&#8217;s parent holding company must guarantee that the institution will comply with the capital restoration plan. The aggregate liability of the parent holding company is limited to the lesser of an amount equal to 5.0% of the depository institution&#8217;s total assets at the time it became categorized as undercapitalized or the amount that is necessary (or would have been necessary) to bring the institution into compliance with all capital standards applicable with respect to such institution as of the time it fails to comply with the plan. If a depository institution fails to submit an acceptable plan, it is categorized as significantly undercapitalized.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Significantly undercapitalized categorized depository institutions may be subject to a number of requirements and restrictions, including orders to sell sufficient voting stock to become categorized as adequately capitalized, requirements to reduce total assets, and cessation of receipt of deposits from correspondent banks. The appropriate federal banking agency may take any action authorized for a significantly undercapitalized institution if an undercapitalized institution fails to submit an acceptable capital restoration plan or fails in any material respect to implement a plan accepted by the agency. A critically undercapitalized institution is subject to having a receiver or conservator appointed to manage its affairs and for loss of its charter to conduct banking activities.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>An insured depository institution may not pay a management fee to a bank holding company controlling that institution or any other person having control of the institution if, after making the payment, the institution would be undercapitalized. In addition, an institution cannot make a capital distribution, such as a dividend or other distribution, that is in substance a distribution of capital to the owners of the institution if following such a distribution the institution would be undercapitalized. Thus, if payment of such a management fee or the making of such would cause a bank to become undercapitalized, it could not pay a management fee or dividend to the bank holding company.</FONT></P>

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<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>As of December 31, 2019, the Bank was deemed to be &#8220;well capitalized.&#8221;</FONT></P>

<P style="TEXT-ALIGN: justify"><B><I><FONT size=2 face=Arial>Standards for Safety and Soundness. </FONT></I></B><FONT size=2 face=Arial>The FDIA also requires the federal banking regulatory agencies to prescribe, by regulation or guideline, operational and managerial standards for all insured depository institutions relating to: (i) internal controls, information systems and internal audit systems; (ii) loan documentation; (iii) credit underwriting; (iv) interest rate risk exposure; and (v) asset growth. The agencies also must prescribe standards for asset quality, earnings, and stock valuation, as well as standards for compensation, fees and benefits. The federal banking agencies have adopted regulations and Interagency Guidelines Prescribing Standards for Safety and Soundness to implement these required standards. These guidelines set forth the safety and soundness standards that the federal banking agencies use to identify and address problems at insured depository institutions before capital becomes impaired. Under the regulations, if the FDIC determines that the Bank fails to meet any standards prescribed by the guidelines, the agency may require the Bank to submit to the agency an acceptable plan to achieve compliance with the standard, as required by the FDIC. The final regulations establish deadlines for the submission and review of such safety and soundness compliance plans.</FONT></P>

<P style="TEXT-ALIGN: justify"><B><I><FONT size=2 face=Arial>Insurance of Accounts and Regulation by the FDIC. </FONT></I></B><FONT size=2 face=Arial>The Bank&#8217;s deposits are insured up to applicable limits by the Deposit Insurance Fund of the FDIC. The Dodd-Frank Act permanently increased the maximum amount of deposit insurance for banks to $250,000 per account. As insurer, the FDIC imposes deposit insurance premiums and is authorized to conduct examinations of and to require reporting by FDIC insured institutions. It also may prohibit any FDIC insured institution from engaging in any activity the FDIC determines by regulation or order to pose a serious risk to the insurance fund.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>As an FDIC-insured bank, the Bank must pay deposit insurance assessments to the FDIC based on its average total assets minus its average tangible equity. The Bank&#8217;s assessment rates are currently based on its risk classification (i.e., the level of risk it poses to the FDIC&#8217;s deposit insurance fund). Institutions classified as higher risk pay assessments at higher rates than institutions that pose a lower risk. In addition to ordinary assessments described above, the FDIC has the ability to impose special assessments in certain instances.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>In addition to the ordinary assessments described above, the FDIC has the ability to impose special assessments in certain instances. For example, under the Dodd-Frank Act, the minimum designated reserve ratio for the deposit insurance fund was increased to 1.35% of the estimated total amount of insured deposits. On September 30, 2018, the deposit insurance fund reached 1.36%, exceeding the statutorily required minimum reserve ratio of 1.35%. On reaching the minimum reserve ratio of 1.35%, FDIC regulations provided for two changes to deposit insurance assessments: (i) surcharges on insured depository institutions with total consolidated assets of $10 billion or more (large institutions) ceased; and (ii) small banks will receive assessment credits for the portion of their assessments that contributed to the growth in the reserve ratio from between 1.15% and 1.35%, to be applied when the reserve ratio is at or above 1.38%. These assessment credits started with the June 30, 2019 assessment invoiced in September 2019 and finished with the September 30, 2019 assessment which was invoiced in December 2019. Assessment rates are expected to decrease if the reserve ratio increases such that it exceeds 2%.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>In addition, FDIC insured institutions were required to pay a Financing Corporation (&#8220;FICO&#8221;) assessment to fund the interest on bonds issued to resolve thrift failures in the 1980s, which expired between 2017 and 2019. The final FICO assessment was collected in March 2019.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The FDIC may terminate the deposit insurance of any insured depository institution, including the Bank, if it determines after a hearing that the institution has engaged in unsafe or unsound practices, is in an unsafe or unsound condition to continue operations or has violated any applicable law, regulation, rule, order or condition imposed by the FDIC. It also may suspend deposit insurance temporarily during the hearing process for the permanent termination of insurance if the institution has no tangible capital. If insurance of accounts is terminated, the accounts at the institution at the time of the termination, less subsequent withdrawals, shall continue to be insured for a period of six months to two years, as determined by the FDIC. Management is not aware of any practice, condition or violation that might lead to termination of the Bank&#8217;s deposit insurance.</FONT></P>

<P style="TEXT-ALIGN: justify"><B><I><FONT size=2 face=Arial>Transactions with Affiliates and Insiders. </FONT></I></B><FONT size=2 face=Arial>The Company is a legal entity separate and distinct from the Bank and its other subsidiaries. Various legal limitations restrict the Bank from lending or otherwise supplying funds to the Company or its non-bank subsidiaries. The Company and the Bank are subject to Sections 23A and 23B of the Federal Reserve Act and Federal Reserve Regulation W.</FONT></P>

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<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Section 23A of the Federal Reserve Act places limits on the amount of loans or extensions of credit by a bank to any affiliate, including its holding company, and on a bank&#8217;s investments in, or certain other transactions with, affiliates and on the amount of advances to third parties collateralized by the securities or obligations of any affiliates of the bank. Section 23A also applies to derivative transactions, repurchase agreements and securities lending and borrowing transactions that cause a bank to have credit exposure to an affiliate. The aggregate of all covered transactions is limited in amount, as to any one affiliate, to 10% of the Bank&#8217;s capital and surplus and, as to all affiliates combined, to 20% of the Bank&#8217;s capital and surplus. Furthermore, within the foregoing limitations as to amount, each covered transaction must meet specified collateral requirements. The Bank is forbidden to purchase low quality assets from an affiliate.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Section 23B of the Federal Reserve Act, among other things, prohibits an institution from engaging in certain transactions with certain affiliates unless the transactions are on terms substantially the same, or at least as favorable to such institution or its subsidiaries, as those prevailing at the time for comparable transactions with nonaffiliated companies. If there are no comparable transactions, a bank&#8217;s (or one of its subsidiaries&#8217;) affiliate transaction must be on terms and under circumstances, including credit standards, that in good faith would be offered to, or would apply to, nonaffiliated companies. These requirements apply to all transactions subject to Section 23A as well as to certain other transactions.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The affiliates of a bank include any holding company of the bank, any other company under common control with the bank (including any company controlled by the same shareholders who control the bank), any subsidiary of the bank that is itself a bank, any company in which the majority of the directors or trustees also constitute a majority of the directors or trustees of the bank or holding company of the bank, any company sponsored and advised on a contractual basis by the bank or an affiliate, and any mutual fund advised by a bank or any of the bank&#8217;s affiliates. Regulation W generally excludes all non-bank and non-savings association subsidiaries of banks from treatment as affiliates, except to the extent that the Federal Reserve decides to treat these subsidiaries as affiliates.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The Bank is also subject to certain restrictions on extensions of credit to executive officers, directors, certain principal shareholders, and their related interests. Extensions of credit include derivative transactions, repurchase and reverse repurchase agreements, and securities borrowing and lending transactions to the extent that such transactions cause a bank to have credit exposure to an insider. Any extension of credit to an insider (i) must be made on substantially the same terms, including interest rates and collateral requirements, as those prevailing at the time for comparable transactions with unrelated third parties and (ii) must not involve more than the normal risk of repayment or present other unfavorable features.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>On December 27, 2019, the federal banking agencies issued an interagency statement explaining that such agencies will provide temporary relief from enforcement action against banks or asset managers, which become principal shareholders of banks, with respect to certain extensions of credit by banks that otherwise would violate Regulation O, provided the asset managers and banks satisfy certain conditions designed to ensure that there is a lack of control by the asset manager over the bank. This temporary relief will apply while the Federal Reserve, in consultation with the other federal banking agencies, considers whether to amend Regulation O.</FONT></P>

<P style="TEXT-ALIGN: justify"><B><I><FONT size=2 face=Arial>Dividends. </FONT></I></B><FONT size=2 face=Arial>The Company&#8217;s principal source of cash flow, including cash flow to pay dividends to its shareholders, is dividends it receives from the Bank. Statutory and regulatory limitations apply to the Bank&#8217;s payment of dividends to the Company. As a South Carolina chartered bank, the Bank is subject to limitations on the amount of dividends that it is permitted to pay. Unless otherwise instructed by the S.C. Board, the Bank is generally permitted under South Carolina state banking regulations to pay cash dividends of up to 100% of net income in any calendar year without obtaining the prior approval of the S.C. Board. The FDIC also has the authority under federal law to enjoin a bank from engaging in what in its opinion constitutes an unsafe or unsound practice in conducting its business, including the payment of a dividend under certain circumstances. The Bank must also maintain the CET1 capital conservation buffer of 2.5% to avoid becoming subject to restrictions on capital distributions, including dividends, as described above.</FONT></P>

<P style="TEXT-ALIGN: justify"><B><I><FONT size=2 face=Arial>Branching. </FONT></I></B><FONT size=2 face=Arial>Under current South Carolina law, the Bank may open branch offices throughout South Carolina with the prior approval of the S.C. Board. In addition, with prior regulatory approval, the Bank is able to acquire existing banking operations in South Carolina. Furthermore, federal legislation permits interstate branching, including out-of-state acquisitions by bank holding companies, interstate branching by banks, and interstate merging by banks. The Dodd-Frank Act removes previous state law restrictions on de novo interstate branching in states such as South Carolina. This change permits out-of-state banks to open de novo branches in states where the laws of the state where the de novo branch to be opened would permit a bank chartered by that state to open a de novo branch.</FONT></P>

<P style="TEXT-ALIGN: justify"><B><I><FONT size=2 face=Arial>Community Reinvestment Act. </FONT></I></B><FONT size=2 face=Arial>The Community Reinvestment Act (&#8220;CRA&#8221;) requires that the FDIC evaluate the record of the Bank in meeting the credit needs of its local community, including low and moderate income neighborhoods. These factors are also considered in evaluating mergers, acquisitions, and applications to open a branch or facility. Failure to adequately meet these criteria could impose additional requirements and limitations on our Bank. On February 12, 2018, the date of the most recent examination report, the Bank received a satisfactory CRA rating.</FONT></P>

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<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The Gramm Leach Bliley Act (the &#8220;GLBA&#8221;) made various changes to the CRA. Among other changes, CRA agreements with private parties must be disclosed and annual CRA reports must be made available to a bank&#8217;s primary federal regulator. A bank holding company will not be permitted to become a financial holding company and no new activities authorized under the GLBA may be commenced by a holding company or by a bank financial subsidiary if any of its bank subsidiaries received less than a satisfactory CRA rating in its latest CRA examination.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>In December 2019, the FDIC and the Office of the Comptroller of the Currency proposed changes to the regulations implementing the CRA, which, if adopted will result in changes to the current CRA framework. The Federal Reserve did not join the proposal.</FONT></P>

<P style="TEXT-ALIGN: justify"><B><I><FONT size=2 face=Arial>Consumer Protection Regulations. </FONT></I></B><FONT size=2 face=Arial>Activities of the Bank are subject to a variety of statutes and regulations designed to protect consumers. Interest and other charges collected or contracted for by the Bank are subject to state usury laws and federal laws concerning interest rates. The Bank&#8217;s loan operations are also subject to federal laws applicable to credit transactions, such as:</FONT></P>

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   <TD VALIGN="TOP" WIDTH="99%" STYLE="text-align: justify"><FONT style="COLOR: #000000" face=arial>The Dodd-Frank Act that created the CFPB within the Federal Reserve Board, which has broad rulemaking authority over a wide range of consumer laws that apply to all insured depository institutions;</FONT></TD></TR>

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   <TD VALIGN="TOP" WIDTH="99%" STYLE="text-align: justify"><FONT style="COLOR: #000000" face=arial>the Truth-In-Lending Act, governing disclosures of credit terms to consumer borrowers;</FONT></TD></TR>

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   <TD VALIGN="TOP" WIDTH="99%" STYLE="text-align: justify"><FONT style="COLOR: #000000" face=arial>the Home Mortgage Disclosure Act of 1975, requiring financial institutions to provide information to enable the public and public officials to determine whether a financial institution is fulfilling its obligation to help meet the housing needs of the community it serves;</FONT></TD></TR>

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   <TD style="PADDING-LEFT: 15pt; PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt; COLOR: #000000">&#9679;</FONT></TD>

   <TD VALIGN="TOP" WIDTH="99%" STYLE="text-align: justify"><FONT style="COLOR: #000000" face=arial>the Equal Credit Opportunity Act, prohibiting discrimination on the basis of race, creed or other prohibited factors in extending credit;</FONT></TD></TR>

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   <TD VALIGN="TOP" WIDTH="99%" STYLE="text-align: justify"><FONT style="COLOR: #000000" face=arial>the Fair Credit Reporting Act of 1978, as amended by the Fair and Accurate Credit Transactions Act, governing the use and provision of information to credit reporting agencies, certain identity theft protections, and certain credit and other disclosures;</FONT></TD></TR>

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   <TD VALIGN="TOP" WIDTH="99%" STYLE="text-align: justify"><FONT style="COLOR: #000000" face=arial>the Fair Debt Collection Act, governing the manner in which consumer debts may be collected by collection agencies; and</FONT></TD></TR>

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   <TD VALIGN="TOP" WIDTH="99%" STYLE="text-align: justify"><FONT style="COLOR: #000000" face=arial>the rules and regulations of the various federal agencies charged with the responsibility of implementing such federal laws.</FONT></TD></TR></TABLE>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The deposit operations of the Bank also are subject to:</FONT></P>

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   <TD VALIGN="TOP" WIDTH="99%" STYLE="text-align: justify"><FONT style="COLOR: #000000" face=arial>the Federal Deposit Insurance Act, which, among other things, limits the amount of deposit insurance available per account to $250,000 and imposes other limits on deposit-taking;</FONT></TD></TR>

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   <TD VALIGN="TOP" WIDTH="99%" STYLE="text-align: justify"><FONT style="COLOR: #000000" face=arial>the Right to Financial Privacy Act, which imposes a duty to maintain confidentiality of consumer financial records and prescribes procedures for complying with administrative subpoenas of financial records;</FONT></TD></TR>

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   <TD VALIGN="TOP" WIDTH="99%" STYLE="text-align: justify"><FONT style="COLOR: #000000" face=arial>the Electronic Funds Transfer Act and Regulation E, which governs automatic deposits to and withdrawals from deposit accounts and customers&#8217; rights and liabilities arising from the use of automated teller machines and other electronic banking services;</FONT></TD></TR>

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   <TD style="PADDING-LEFT: 15pt; PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt; COLOR: #000000">&#9679;</FONT></TD>

   <TD VALIGN="TOP" WIDTH="99%" STYLE="text-align: justify"><FONT style="COLOR: #000000" face=arial>The Check Clearing for the 21<SUP>st</SUP> Century Act (also known as &#8220;Check 21&#8221;), which gives &#8220;substitute check,&#8221; such as digital images and copies made from that image, the same legal standing as the original paper check; and</FONT></TD></TR>

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   <TD VALIGN="TOP" WIDTH="99%" STYLE="text-align: justify"><FONT style="COLOR: #000000" face=arial>the Truth in Savings Act and Regulation DD, which requires depository institutions to provide disclosures so that consumers can make meaningful comparisons about depository institutions and accounts.</FONT></TD></TR></TABLE>

<P style="TEXT-ALIGN: justify"><B><I><FONT size=2 face=Arial>Anti-Money Laundering</FONT></I></B><FONT size=2 face=Arial>. Financial institutions must maintain anti-money laundering programs that include established internal policies, procedures, and controls; a designated compliance officer; an ongoing employee training program; and testing of the program by an independent audit function. The Company and the Bank are also prohibited from entering into specified financial transactions and account relationships and must meet enhanced standards for due diligence and &#8220;knowing your customer&#8221; in their dealings with foreign financial institutions and foreign customers. Financial institutions must take reasonable steps to conduct enhanced scrutiny of account relationships to guard against money laundering and to report any suspicious transactions, and recent laws provide law enforcement authorities with increased access to financial information maintained by banks. Anti-money laundering obligations have been substantially strengthened as a result of the Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act of 2001 (which we refer to as the &#8220;USA PATRIOT Act&#8221;). Bank regulators routinely examine institutions for compliance with these obligations and are required to consider compliance in connection with the regulatory review of applications. The regulatory authorities have been active in imposing &#8220;cease and desist&#8221; orders and money penalty sanctions against institutions that have not complied with these requirements.</FONT></P>

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<P style="TEXT-ALIGN: justify"><B><I><FONT size=2 face=Arial>USA PATRIOT Act. </FONT></I></B><FONT size=2 face=Arial>The USA PATRIOT Act became effective on October 26, 2001, amended, in part, the Bank Secrecy Act and provides, in part, for the facilitation of information sharing among governmental entities and financial institutions for the purpose of combating terrorism and money laundering by enhancing anti-money laundering and financial transparency laws, as well as enhanced information collection tools and enforcement mechanics for the U.S. government, including: (i) requiring standards for verifying customer identification at account opening; (ii) rules to promote cooperation among financial institutions, regulators, and law enforcement entities in identifying parties that may be involved in terrorism or money laundering; (iii) reports by nonfinancial trades and businesses filed with the Treasury Department&#8217;s Financial Crimes Enforcement Network for transactions exceeding $10,000; and (iv) filing suspicious activities reports by brokers and dealers if they believe a customer may be violating U.S. laws and regulations. The Act also requires enhanced due diligence requirements for financial institutions that administer, maintain, or manage private bank accounts or correspondent accounts for non-U.S. persons. Bank regulators routinely examine institutions for compliance with these obligations and are required to consider compliance in connection with the regulatory review of applications.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Under the USA PATRIOT Act, the Financial Crimes Enforcement Network (&#8220;FinCEN&#8221;) can send our banking regulatory agencies lists of the names of persons suspected of involvement in terrorist activities. The Bank can be requested, to search its records for any relationships or transactions with persons on those lists. If the Bank finds any relationships or transactions, it must file a suspicious activity report and contact FinCEN.</FONT></P>

<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>The Office of Foreign Assets Control. </FONT></B><FONT size=2 face=Arial>The Office of Foreign Assets Control (&#8220;OFAC&#8221;), which is a division of the U.S. Treasury, is responsible for helping to insure that U.S. entities do not engage in transactions with &#8220;enemies&#8221; of the U.S., as defined by various Executive Orders and Acts of Congress. OFAC has sent, and will send, our banking regulatory agencies lists of names of persons and organizations suspected of aiding, harboring or engaging in terrorist acts. If the Bank finds a name on any transaction, account or wire transfer that is on an OFAC list, it must freeze such account, file a suspicious activity report and notify the FBI. The Bank has appointed an OFAC compliance officer to oversee the inspection of its accounts and the filing of any notifications. The Bank actively checks high-risk OFAC areas such as new accounts, wire transfers and customer files. The Bank performs these checks utilizing software, which is updated each time a modification is made to the lists provided by OFAC and other agencies of Specially Designated Nationals and Blocked Persons.</FONT></P>

<P style="TEXT-ALIGN: justify"><B><I><FONT size=2 face=Arial>Privacy, Data Security and Credit Reporting. </FONT></I></B><FONT size=2 face=Arial>Financial institutions are required to disclose their policies for collecting and protecting confidential information. Customers generally may prevent financial institutions from sharing nonpublic personal financial information with nonaffiliated third parties except under narrow circumstances, such as the processing of transactions requested by the consumer or if the Bank is jointly sponsoring a product or service with a nonaffiliated third party. Additionally, financial institutions generally may not disclose consumer account numbers to any nonaffiliated third party for use in telemarketing, direct mail marketing or other marketing to consumers. It is the Bank&#8217;s policy not to disclose any personal information unless required by law.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Recent cyberattacks against banks and other institutions that resulted in unauthorized access to confidential customer information have prompted the Federal banking agencies to issue several warnings and extensive guidance on cyber security. The agencies are likely to devote more resources to this part of their safety and soundness examination than they have in the past.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>In addition, pursuant to the Fair and Accurate Credit Transactions Act of 2003 (the &#8220;FACT Act&#8221;) and the implementing regulations of the federal banking agencies and Federal Trade Commission, the Bank is required to have in place an &#8220;identity theft red flags&#8221; program to detect, prevent and mitigate identity theft. The Bank has implemented an identity theft red flags program designed to meet the requirements of the FACT Act and the joint final rules. Additionally, the FACT Act amends the Fair Credit Reporting Act to generally prohibit a person from using information received from an affiliate to make a solicitation for marketing purposes to a consumer, unless the consumer is given notice and a reasonable opportunity and a reasonable and simple method to opt out of the making of such solicitations.</FONT></P>

<P style="TEXT-ALIGN: justify"><B><I><FONT size=2 face=Arial>Federal Home Loan Bank System. </FONT></I></B><FONT size=2 face=Arial>The Bank is a member of the Federal Home Loan Bank ("FHLB") of Atlanta, which is one of 12 regional FHLBs that administer home financing credit for depository institutions. Each FHLB serves as a reserve or central bank for its members within its assigned region. It is funded primarily from proceeds derived from the sale of consolidated obligations of the FHLB System. It makes loans or advances to members in accordance with policies and procedures established by the Board of Directors of the FHLB, which are subject to the oversight of the Federal Housing Financing Board. All advances from the FHLB, which are subject to the oversight of the Federal Housing Finance Board. All advances from the FHLB are required to be fully secured by sufficient collateral as determined by the FHLB.</FONT></P>

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<P style="TEXT-ALIGN: justify"><B><I><FONT size=2 face=Arial>Effect of Governmental Monetary Policies. </FONT></I></B><FONT size=2 face=Arial>Our earnings are affected by domestic economic conditions and the monetary and fiscal policies of the U.S. government and its agencies. The Federal Reserve&#8217;s monetary policies have had, and are likely to continue to have, an important impact on the operating results of commercial banks through its power to implement national monetary policy in order, among other things, to curb inflation or combat a recession. The monetary policies of the Federal Reserve have major effects upon the levels of bank loans, investments and deposits through its open market operations in U.S. government securities and through its regulation of the discount rate on borrowings of member banks and the reserve requirements against member bank deposits. It is not possible to predict the nature or impact of future changes in monetary and fiscal policies. On August 1, 2019, September 19, 2019 and October 31, 2019, the Federal Open Market Committee decreased the federal funds target rate by 25 basis points, as expected from the previous year. Further changes may occur in 2020, but, if so, there is no announced timetable.</FONT></P>

<P style="TEXT-ALIGN: justify"><B><I><FONT size=2 face=Arial>Incentive Compensation. </FONT></I></B><FONT size=2 face=Arial>The Dodd-Frank Act requires the federal bank regulators and the SEC to establish joint regulations or guidelines prohibiting incentive-based payment arrangements at specified regulated entities having at least $1 billion in total assets that encourage inappropriate risks by providing an executive officer, employee, director or principal stockholder with excessive compensation, fees, or benefits or that could lead to material financial loss to the entity. In addition, these regulators must establish regulations or guidelines requiring enhanced disclosure to regulators of incentive-based compensation arrangements. The agencies proposed such regulations in April 2011. However, the 2011 proposal was replaced with a new proposal in May 2016, which makes explicit that the involvement of risk management and control personnel includes not only compliance, risk management and internal audit, but also legal, human resources, accounting, financial reporting and finance roles responsible for identifying, measuring, monitoring or controlling risk-taking. A final rule had not been adopted as of December 31, 2019.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>In June 2010, the Federal Reserve, the FDIC and the Office of the Comptroller of the Currency issued a comprehensive final guidance on incentive compensation policies intended to ensure that the incentive compensation policies of banking organizations do not undermine the safety and soundness of such organizations by encouraging excessive risk-taking. The guidance, which covers all employees that have the ability to materially affect the risk profile of an organization, either individually or as part of a group, is based upon the key principles that a banking organization&#8217;s incentive compensation arrangements should (i) provide incentives that do not encourage risk-taking beyond the organization&#8217;s ability to effectively identify and manage risks, (ii) be compatible with effective internal controls and risk management, and (iii) be supported by strong corporate governance, including active and effective oversight by the organization&#8217;s board of directors.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The Federal Reserve will review, as part of the regular, risk-focused examination process, the incentive compensation arrangements of banking organizations, such as the Company, that are not &#8220;large, complex banking organizations.&#8221; These reviews will be tailored to each organization based on the scope and complexity of the organization&#8217;s activities and the prevalence of incentive compensation arrangements. The findings of the supervisory initiatives will be included in reports of examination. Deficiencies will be incorporated into the organization&#8217;s supervisory ratings, which can affect the organization&#8217;s ability to make acquisitions and take other actions. Enforcement actions may be taken against a banking organization if its incentive compensation arrangements, or related risk-management control or governance processes, pose a risk to the organization&#8217;s safety and soundness and the organization is not taking prompt and effective measures to correct the deficiencies.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>In addition, the Tax Cuts and Jobs Act (the &#8220;Tax Act&#8221;), which was signed into law in December 2017, contains certain provisions affecting performance-based compensation. Specifically, the pre-existing exception to the $1 million deduction limitation applicable to performance-based compensation was repealed. The deduction limitation is now applied to all compensation exceeding $1.0 million, for our covered employees, regardless of how it is classified, which could have an adverse effect on our income tax expense and net income.</FONT></P>

<P style="TEXT-ALIGN: justify"><B><I><FONT size=2 face=Arial>Concentrations in Commercial Real Estate</FONT></I></B><B><FONT size=2 face=Arial>. </FONT></B><FONT size=2 face=Arial>Concentration risk exists when FDIC-insured institutions deploy too many assets to any one industry or segment. A concentration in commercial real estate is one example of regulatory concern. The interagency Concentrations in Commercial Real Estate Lending, Sound Risk Management Practices guidance (&#8220;CRE Guidance&#8221;) provides supervisory criteria, including the following numerical indicators, to assist bank examiners in identifying banks with potentially significant commercial real estate loan concentrations that may warrant greater supervisory scrutiny: (i) commercial real estate loans exceeding 300% of capital and increasing 50% or more in the preceding three years or (ii) construction and land development loans exceeding 100% of capital. The CRE Guidance does not limit banks&#8217; levels of commercial real estate lending activities, but rather guides institutions in developing risk management practices and levels of capital that are commensurate with the level and nature of their commercial real estate concentrations. On December 18, 2015, the federal banking agencies issued a statement to reinforce prudent risk-management practices related to commercial real estate lending, having observed substantial growth in many commercial real estate asset and lending markets, increased competitive pressures, rising commercial real estate concentrations in banks, and an easing of commercial real estate underwriting standards. The federal bank agencies reminded FDIC-insured institutions to maintain underwriting discipline and exercise prudent risk-management practices to identify, measure, monitor and manage the risks arising from commercial real estate lending. In addition, FDIC-insured institutions must maintain capital commensurate with the level and nature of their commercial real estate concentration risk. Based on the Bank&#8217;s loan portfolio as of December 31, 2018, it did not exceed the 300% and 100% guidelines for commercial real estate loans. The Bank will continue to monitor its portfolio to manage this increased risk.</FONT></P>

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<P style="TEXT-ALIGN: justify"><A NAME="Item1ARiskFactors24"></A><B><U><FONT size=2 face=Arial>Item 1A. Risk Factors.</FONT></U></B></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The following risk factors and other information included in this Annual Report on Form 10-K should be carefully considered. The risks and uncertainties described below are not the only ones we face. Additional risks and uncertainties not presently known to us or that we currently deem immaterial also may adversely impact our business operations. If any of the following risks occur, our business, financial condition, operating results, and cash flows could be materially adversely affected.</FONT></P>

<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>Risks Related to our Business</FONT></B></P>

<P style="TEXT-ALIGN: justify"><B><I><FONT size=2 face=Arial>Liquidity needs could adversely affect our financial condition and results of operations.</FONT></I></B></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Dividends from the Bank provide the primary source of funds for the Company. The primary sources of funds of the Bank are client deposits and loan repayments. While scheduled loan repayments are a relatively stable source of funds, they are subject to the ability of borrowers to repay the loans. The ability of borrowers to repay loans can be adversely affected by a number of factors, including changes in economic conditions, adverse trends or events affecting business industry groups, reductions in real estate values or markets, business closings or lay-offs, inclement weather, natural disasters and international instability.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Additionally, deposit levels may be affected by a number of factors, including rates paid by competitors, general interest rate levels, regulatory capital requirements, returns available to clients on alternative investments and general economic conditions. Accordingly, we may be required from time to time to rely on secondary sources of liquidity to meet withdrawal demands or otherwise fund operations. Such sources include proceeds from FHLB advances, sales of investment securities and loans, and federal funds lines of credit from correspondent banks, as well as out-of-market time deposits. While we believe that these sources are currently adequate, there can be no assurance they will be sufficient to meet future liquidity demands, particularly if we continue to grow and experience increasing loan demand. We may be required to slow or discontinue loan growth, capital expenditures or other investments or liquidate assets should such sources not be adequate.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The Company is a stand-alone entity with its own liquidity needs to service its debt or other obligations. Other than dividends from the Bank, the Company does not have additional means of generating liquidity without obtaining additional debt or equity funding. If we are unable to receive dividends from the Bank or obtain additional funding, we may be unable to pay our debt or other obligations.</FONT></P>

<P style="TEXT-ALIGN: justify"><B><I><FONT size=2 face=Arial>Changes in prevailing interest rates may reduce our profitability.</FONT></I></B></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Our results of operations depend in large part upon the level of our net interest income, which is the difference between interest income from interest-earning assets, such as loans and investment securities, and interest expense on interest-bearing liabilities, such as deposits and other borrowings. Depending on the terms and maturities of our assets and liabilities, a significant change in interest rates could have a material adverse effect on our profitability. Many factors cause changes in interest rates, including governmental monetary policies and domestic and international economic and political conditions. As of December 31, 2019, approximately 78% of our loan portfolio was in fixed rate loans, while only 22% was in variable rate loans. In a rising rate environment, the higher percentage of fixed rate loans could have an adverse effect on our profitability. While we intend to manage the effects of changes in interest rates by adjusting the terms, maturities, and pricing of our assets and liabilities, our efforts may not be effective and our financial condition and results of operations could suffer.</FONT></P>

<P style="TEXT-ALIGN: justify"><B><I><FONT size=2 face=Arial>We may not be able to adequately anticipate and respond to changes in market interest rates.</FONT></I></B></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>We may be unable to anticipate changes in market interest rates, which are affected by many factors beyond our control including but not limited to inflation, recession, unemployment, money supply, monetary policy, and other changes that affect financial markets both domestic and foreign. Our net interest income is affected not only by the level and direction of interest rates, but also by the shape of the yield curve and relationships between interest sensitive instruments and key driver rates, as well as balance sheet growth, client loan and deposit preferences, and the timing of changes in these variables. In the event rates increase, our interest costs on liabilities may increase more rapidly than our income on interest-earning assets, resulting in a deterioration of net interest margins. As such, fluctuations in interest rates could have significant adverse effects on our financial condition and results of operations.</FONT></P>

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<P style="text-align: justify;">
<FONT size=2 face="sans-serif">In addition, our mortgage operations provide a portion of our noninterest income. We generate mortgage revenues primarily from gains on the sale of residential mortgage loans pursuant to programs currently offered by Fannie Mae, Ginnie Mae or Freddie Mac. In a rising or higher interest rate environment, our originations of mortgage loans may decrease, resulting in fewer loans that are available to be sold to investors, which would decrease mortgage revenues in noninterest income. In addition, our results of operations are affected by the amount of noninterest expenses associated with mortgage activities, such as salaries and employee benefits, other loan expense, and other costs. During periods of reduced loan demand, our results of operations may be adversely affected to the extent that we are unable to reduce expenses commensurate with the decline in loan originations.</FONT></P>
<P style="text-align: justify;">
<B><I><FONT size=2 face="sans-serif">Our business may be adversely affected by conditions in the financial markets and economic conditions generally.</FONT></I></B></P>
<P style="text-align: justify;">
<FONT size=2 face="sans-serif">Our financial performance generally, and in particular the ability of borrowers to pay interest on and repay principal of outstanding loans and the value of collateral securing those loans, as well as demand for loans and other products and services we offer and whose success we rely on to drive our growth, is highly dependent upon the business environment in the primary markets where we operate and in the United States as a whole. Unlike larger banks that are more geographically diversified, we are a regional bank that provides banking and financial services to customers primarily in Greenville, Columbia and Charleston, South Carolina; Raleigh and Greensboro, North Carolina; and Atlanta, Georgia. The economic conditions in these local markets may be different from, and in some instances worse than, the economic conditions in the United States as a whole. Some elements of the business environment that affect our financial performance include short-term and long-term interest rates, the prevailing yield curve, inflation and price levels, monetary and trade policy, unemployment and the strength of the domestic economy and the local economy in the markets in which we operate. Unfavorable market conditions can result in a deterioration in the credit quality of our borrowers and the demand for our products and services, an increase in the number of loan delinquencies, defaults and charge-offs, additional provisions for loan losses, adverse asset values of the collateral securing our loans and an overall material adverse effect on the quality of our loan portfolio. Unfavorable or uncertain economic and market conditions can be caused </FONT><FONT size=2 face="sans-serif">by declines in economic growth, business activity or investor or business confidence; limitations on the availability or increases in the cost of credit and capital; increases in inflation or interest rates; high unemployment; natural disasters; </FONT><FONT size=2 face="sans-serif">epidemics and pandemics; or a combination of these or other factors.</FONT></P>
<P style="text-align: justify;">
<FONT size=2 face="sans-serif">During 2019, the U.S. economy has continued to grow across a wide range of industries and regions in the United States. However, there are continuing concerns related to, among other things, the level of U.S. government debt and fiscal actions that may be taken to address that debt, the potential effects of coronavirus on international trade (including supply chains and export levels), travel, employee productivity and other economic activities, and the and depressed oil prices and the U.S.-China trade disputes and related tariffs, that may have a destabilizing effect on financial markets and economic activity. There can be no assurance that current economic conditions will continue or improve, and economic conditions could worsen. Economic pressure on consumers and uncertainty regarding continuing economic improvement may result in changes in consumer and business spending, borrowing and saving habits. A return of recessionary conditions and/or other negative developments in the domestic or international credit markets or economies may significantly affect the markets in which we do business, the value of our loans and investments, and our ongoing operations, costs and profitability. Declines in real estate values and sales volumes and high unemployment or underemployment may also result in higher than expected loan delinquencies, increases in our levels of nonperforming and classified assets and a decline in demand for our products and services. These negative events may cause us to incur losses and may adversely affect our capital, liquidity and financial condition.</FONT></P>
<P style="text-align: justify;">
<B><I><FONT size=2 face="sans-serif">Our small- to medium-sized business target markets may have fewer financial resources to weather a downturn in the economy.</FONT></I></B></P>
<P style="text-align: justify;">
<FONT size=2 face="sans-serif">We target the banking and financial services needs of small- and medium-sized businesses. These businesses generally have fewer financial resources in terms of capital borrowing capacity than larger entities. If general economic conditions negatively affect these businesses in the markets in which we operate, our business, financial condition, and results of operations may be adversely affected.</FONT></P>


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<B><I><FONT size=2 face="sans-serif">Competition with other financial institutions may have an adverse effect on our ability to retain and grow our client base, which could have a negative effect on our financial condition or results of operations.</FONT></I></B></P>

<P style="text-align: justify;">
<FONT size=2 face="sans-serif">The banking and financial services industry is very competitive and includes services offered from other banks, savings and loan associations, credit unions, mortgage companies, other lenders, and institutions offering uninsured investment alternatives. Legal and regulatory developments have made it easier for new and sometimes unregulated competitors to compete with us. The financial services industry has and is experiencing an ongoing trend towards consolidation in which fewer large national and regional banks and other financial institutions are replacing many smaller and more local banks. These larger banks and other financial institutions hold a large accumulation of assets and have significantly greater resources and a wider geographic presence or greater accessibility. In some instances, these larger entities operate without the traditional brick and mortar facilities that restrict geographic presence. Some competitors have more aggressive marketing campaigns and better brand recognition, and are able to offer more services, more favorable pricing or greater customer convenience than the Bank. In addition, competition has increased from new banks and other financial services providers that target our existing or potential clients. As consolidation continues among large banks, we expect other smaller institutions to try to compete in the markets we serve. This competition could reduce our net income by decreasing the number and size of the loans that we originate and the interest rates we charge on these loans. Additionally, these competitors may offer higher interest rates, which could decrease the deposits we attract or require us to increase rates to retain existing deposits or attract new deposits. Increased deposit competition could adversely affect our ability to generate the funds necessary for lending operations which could increase our cost of funds.</FONT></P>
<P style="text-align: justify;">
<FONT size=2 face="sans-serif">The financial services industry could become even more competitive as a result of legislative, regulatory and technological changes and continued consolidation. Banks, securities firms and insurance companies can merge as part of a financial holding company, which can offer virtually any type of financial service, including banking, securities underwriting, insurance (both agency and underwriting) and merchant banking. Technological developments have allowed competitors, including some non-depository institutions, to compete more effectively in local markets and have expanded the range of financial products, services and capital available to our target clients. If we are unable to implement, maintain and use such technologies effectively, we may not be able to offer products or achieve cost-efficiencies necessary to compete in the industry. In addition, some of these competitors have fewer regulatory constraints and lower cost structures.</FONT></P>
<P style="text-align: justify;">
<B><I><FONT size=2 face="sans-serif">We are dependent on key individuals and the loss of one or more of these key individuals could curtail our growth and adversely affect our prospects.</FONT></I></B></P>
<P style="text-align: justify;">
<FONT size=2 face="sans-serif">R. Arthur Seaver, Jr., our chief executive officer and Michael D. Dowling, our chief financial officer and chief operating officer, both have extensive and long-standing ties within our primary market area and substantial experience with our operations, and each has contributed significantly to our growth. If we lose the services of any of these individuals, they would be difficult to replace and our business and development could be materially and adversely affected.</FONT></P>
<P style="text-align: justify;">
<FONT size=2 face="sans-serif">Our success also depends, in part, on our continued ability to attract and retain experienced loan originators, as well as other management personnel, including our other executive vice presidents. Competition for personnel is intense, and we may not be successful in attracting or retaining qualified personnel. Our failure to compete for these personnel, or the loss of the services of several of such key personnel, could adversely affect our growth strategy and seriously harm our business, results of operations, and financial condition.</FONT></P>
<P style="text-align: justify;">
<B><I><FONT size=2 face="sans-serif">The success of our growth strategy depends on our ability to identify and retain individuals with experience and relationships in the markets in which we intend to expand.</FONT></I></B></P>
<P style="text-align: justify;">
<FONT size=2 face="sans-serif">To expand our franchise successfully, we must identify and retain experienced key management members with local expertise and relationships in these markets. We expect that competition for qualified management in the markets in which we may expand will be intense and that there will be a limited number of qualified persons with knowledge of and experience in the community banking industry in these markets. Even if we identify individuals that we believe could assist us in establishing a presence in a new market, we may be unable to recruit these individuals away from more established financial institutions. In addition, the process of identifying and recruiting individuals with the combination of skills and attributes required to carry out our strategy requires both management and financial resources and is often lengthy. Our inability to identify, recruit, and retain talented personnel to manage new offices effectively would limit our growth and could materially adversely affect our business, financial condition, and results of operations.</FONT></P>
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<B><I><FONT size=2 face="sans-serif">We will face risks with respect to future expansion.</FONT></I></B></P>
<P style="text-align: justify;">
<FONT size=2 face="sans-serif">We routinely evaluate opportunities to expand into new markets, as we did in Columbia, South Carolina in 2007, Charleston, South Carolina in 2012, Raleigh, North Carolina in 2017, Atlanta, Georgia in 2017, Summerville, South Carolina and Greensboro, North Carolina in 2018. We may also expand our lines of business or offer new products or services as well as seek to acquire other financial institutions or parts of those institutions. Our merger and acquisition activities could be material and could require us to use a substantial amount of common stock, cash, other liquid assets, and/or incur debt. Moreover, these types of expansions involve various risks, including:</FONT></P>


<TABLE style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; BORDER-COLLAPSE: collapse; TEXT-ALIGN: justify" cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR> <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD> <TD WIDTH="99%" STYLE="vertical-align: top; text-align: justify">the time and costs of evaluating new markets, hiring or retaining experienced local management, and opening new offices and the time lags between these activities and the generation of sufficient assets and deposits to support the costs of the expansion;</TD></TR>
<TR> <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD> <TD WIDTH="99%" STYLE="vertical-align: top; text-align: justify">the incurrence and possible impairment of goodwill associated with an acquisition and possible adverse effects on our results of operations;</TD></TR>
<TR> <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD> <TD WIDTH="99%" STYLE="vertical-align: top; text-align: justify">the potential inaccuracy of the estimates and judgments used to evaluate credit, operations, management, and market risks with respect to a target institution;</TD></TR>

<TR> <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD> <TD WIDTH="99%" STYLE="vertical-align: top; text-align: justify">incurring the time and expense associated with identifying and evaluating potential merger or acquisition targets and other expansion opportunities and negotiating potential transactions, resulting in management&#146;s attention being diverted from the operation of our existing business;</TD></TR>
<TR> <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD> <TD WIDTH="99%" STYLE="vertical-align: top; text-align: justify">the possibility that the expected benefits of a transaction may not materialize in the timeframe expected or at all, or may be costlier to achieve;</TD></TR>
<TR> <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD> <TD WIDTH="99%" STYLE="vertical-align: top; text-align: justify">the risk that we may be unsuccessful in attracting and retaining deposits and originating high quality loans in new markets;</TD></TR>



<TR> <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD> <TD WIDTH="99%" STYLE="vertical-align: top; text-align: justify">difficulty or unanticipated expense associated with converting the operating systems of an acquired or merged company into ours;</TD></TR>
<TR> <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD> <TD WIDTH="99%" STYLE="vertical-align: top; text-align: justify">delay in completing a merger, acquisition or other expansion activities due to litigation, closing conditions or the regulatory approval process; and</TD></TR>
<TR> <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD> <TD WIDTH="99%" STYLE="vertical-align: top; text-align: justify">the risk of loss of key employees and clients of the Company or the acquired or merged company.</TD></TR>


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<P style="text-align: justify;">
<FONT size=2 face="sans-serif">There is no assurance that existing branches or future branches will maintain or achieve deposit levels, loan balances or other operating results necessary to avoid losses or produce profits. Our growth may entail an increase in overhead expenses as we add new branches and staff. There are considerable costs involved in opening branches, and new branches generally do not generate sufficient revenues to offset their costs until they have been in operation for at least a year or more. Accordingly, any new branches we establish can be expected to negatively impact our earnings for some period of time until they reach certain economies of scale. Our historical results may not be indicative of future results or results that may be achieved, particularly if we continue to expand.</FONT></P>
<P style="text-align: justify;">
<FONT size=2 face="sans-serif">Failure to successfully address these and other issues related to our expansion could have a material adverse effect on our business, financial condition and results of operations, including short-term and long-term liquidity, and could adversely affect our ability to successfully implement our business strategy.</FONT></P>
<P style="text-align: justify;">
<B><I><FONT size=2 face="sans-serif">A significant portion of our loan portfolio is secured by real estate, and events that negatively affect the real estate market could hurt our business.</FONT></I></B></P>
<P style="text-align: justify;">
<FONT size=2 face="sans-serif">As of December 31, 2019, approximately 82.8% of our loans had real estate as a primary or secondary component of collateral. The real estate collateral in each case provides an alternate source of repayment in the event of default by the borrower and may deteriorate in value during the time the credit is extended. A weakening of the real estate market in our primary market areas could result in an increase in the number of borrowers who default on their loans and a reduction in the value of the collateral securing their loans, which in turn could have an adverse effect on our profitability and asset quality. Deterioration in the real estate market could cause us to adjust our opinion of the level of credit quality in our loan portfolio. If we are required to liquidate the collateral securing a loan to satisfy the debt during a period of reduced real estate values, our earnings and capital could be adversely affected. Acts of nature, including hurricanes, tornados, earthquakes, fires and floods, which may cause uninsured damage and other loss of value to real estate that secures these loans, may also negatively affect our financial condition.</FONT></P>
<P style="text-align: justify;">
<B><I><FONT size=2 face="sans-serif">Our loan portfolio contains a number of real estate loans with relatively large balances.</FONT></I></B></P>
<P style="text-align: justify;">
<FONT size=2 face="sans-serif">Because our loan portfolio contains a number of real estate loans with relatively large balances, the deterioration of one or a few of these loans could cause a significant increase in nonperforming loans, which could result in a net loss of earnings, an increase in the provision for loan losses and an increase in loan charge-offs, all of which could have a material adverse effect on our financial condition and results of operations.</FONT></P>
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<B><I><FONT size=2 face="sans-serif">Commercial real estate loans increase our exposure to credit risk.</FONT></I></B></P>
<P style="text-align: justify;">
<FONT size=2 face="sans-serif">At December 31, 2019, 51.0% of our loan portfolio was secured by commercial real estate. Loans secured by commercial real estate are generally viewed as having more risk of default than loans secured by residential real estate or consumer loans because repayment of the loans often depends on the successful operation of the property, the income stream of the borrowers, the accuracy of the estimate of the property&#146;s value at completion of construction, and the estimated cost of construction. Such loans are generally more risky than loans secured by residential real estate or consumer loans because those loans are typically not secured by real estate collateral. An adverse development with respect to one lending relationship can expose us to a significantly greater risk of loss compared with a single-family residential mortgage loan because we typically have more than one loan with such borrowers. Additionally, these loans typically involve larger loan balances to single borrowers or groups of related borrowers compared with single-family residential mortgage loans. Therefore, the deterioration of one or a few of these loans could cause a significant decline in the related asset quality. While economic conditions and real estate in our local markets have improved since the end of the economic recession, a return of recessionary conditions could result in a sharp increase in loans charged-off and could require us to significantly increase our allowance for loan losses, which could have a material adverse impact on our business, financial condition, results of operations, and cash flows.</FONT></P>



<P style="text-align: justify;">
<B><I><FONT size=2 face="sans-serif">Imposition of limits by the bank regulators on commercial and multi-family real estate lending activities could curtail our growth and adversely affect our earnings.</FONT></I></B></P>
<P style="text-align: justify;">
<FONT size=2 face="sans-serif">In 2006, the FDIC, the Federal Reserve and the Office of the Comptroller of the Currency issued joint guidance entitled &#147;Concentrations in Commercial Real Estate Lending, Sound Risk Management Practices&#148; (the &#147;CRE Guidance&#148;). Although the CRE Guidance did not establish specific lending limits, it provides that a bank&#146;s commercial real estate lending exposure could receive increased supervisory scrutiny where total non-owner occupied commercial real estate loans, including loans secured by apartment buildings, investor commercial real estate, and construction and land loans, represent 300% or more of an institution&#146;s total risk-based capital, and the outstanding balance of the commercial real estate loan portfolio has increased by 50% or more during the preceding 36 months. Our level of commercial real estate and multi-family loans represents 222.8% of the Bank&#146;s total risk-based capital at December 31, 2019.</FONT></P>
<P style="text-align: justify;">
<FONT size=2 face="sans-serif">In December 2015, the regulatory agencies released a new statement on prudent risk management for commercial real estate lending (the &#147;2015 Statement&#148;). In the 2015 Statement, the regulatory agencies, among other things, indicate the intent to continue &#147;to pay special attention&#148; to commercial real estate lending activities and concentrations going forward. If the FDIC, our primary federal regulator, were to impose restrictions on the amount of commercial real estate loans we can hold in our portfolio, for reasons noted above or otherwise, our earnings would be adversely affected.</FONT></P>
<P style="text-align: justify;">
<B><I><FONT size=2 face="sans-serif">Repayment of our commercial business loans is often dependent on the cash flows of the borrower, which may be unpredictable, and the collateral securing these loans may fluctuate in value.</FONT></I></B></P>
<P style="text-align: justify;">
<FONT size=2 face="sans-serif">At December 31, 2019, commercial business loans comprised 15.9% of our total loan portfolio. Our commercial business loans are originated primarily based on the identified cash flow and general liquidity of the borrower and secondarily on the underlying collateral provided by the borrower and/or repayment capacity of any guarantor. The borrower&#146;s cash flow may be unpredictable, and collateral securing these loans may fluctuate in value. Although commercial business loans are often collateralized by equipment, inventory, accounts receivable, or other business assets, the liquidation of collateral in the event of default is often an insufficient source of repayment because accounts receivable may be uncollectible and inventories may be obsolete or of limited use. In addition, business assets may depreciate over time, may be difficult to appraise, and may fluctuate in value based on the success of the business. Accordingly, the repayment of commercial business loans depends primarily on the cash flow and credit worthiness of the borrower and secondarily on the underlying collateral value provided by the borrower and liquidity of the guarantor. If these borrowers do not have sufficient cash flows or resources to pay these loans as they come due or the value of the underlying collateral is insufficient to fully secure these loans, we may suffer losses on these loans that exceed our allowance for loan losses.</FONT></P>
<P style="text-align: justify;">
<B><I><FONT size=2 face="sans-serif">We may have higher loan losses than we have allowed for in our allowance for loan losses.</FONT></I></B></P>
<P style="text-align: justify;">
<FONT size=2 face="sans-serif">Our actual loans losses could exceed our allowance for loan losses and therefore our historic allowance for loan losses may not be adequate. As of December 31, 2019, 51.0% of our loan portfolio was secured by commercial real estate. Repayment of such loans is generally considered more subject to market risk than residential mortgage loans. Industry experience shows that a portion of loans will become delinquent and a portion of loans will require partial or entire charge-off. Regardless of the underwriting criteria utilized, losses may be experienced as a result of various factors beyond our control, including among other things, changes in market conditions affecting the value of loan collateral, the cash flows of our borrowers and problems affecting borrower credit. If we suffer loan losses that exceed our allowance for loans losses, our financial condition, liquidity or results of operations could be materially and adversely affected.</FONT></P>


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<B><I><FONT size=2 face="sans-serif">Our decisions regarding allowance for loan losses and credit risk may materially and adversely affect our business.</FONT></I></B></P>
<P style="text-align: justify;">
<FONT size=2 face="sans-serif">Making loans and other extensions of credit is an essential element of our business. Although we seek to mitigate risks inherent in lending by adhering to specific underwriting practices, our loans and other extensions of credit may not be repaid. The risk of nonpayment is affected by a number of factors, including:</FONT></P>

<TABLE style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; BORDER-COLLAPSE: collapse; TEXT-ALIGN: justify" cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR> <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD> <TD WIDTH="99%" STYLE="text-align: justify; vertical-align: top">the duration of the credit;</TD></TR>
<TR> <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD> <TD WIDTH="99%" STYLE="text-align: justify; vertical-align: top">credit risks of a particular client;</TD></TR>
<TR> <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD> <TD WIDTH="99%" STYLE="text-align: justify; vertical-align: top">changes in economic and industry conditions; and</TD></TR>
<TR> <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD> <TD WIDTH="99%" STYLE="text-align: justify; vertical-align: top">in the case of a collateralized loan, risks resulting from uncertainties about the future value of the collateral.</TD></TR>


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<P style="text-align: justify;">
<FONT size=2 face="sans-serif">We attempt to maintain an appropriate allowance for loan losses to provide for probable losses in our loan portfolio. We periodically determine the amount of the allowance based on consideration of several factors, including but not limited to:</FONT></P>
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<TR> <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD> <TD WIDTH="99%" STYLE="vertical-align: top; text-align: justify">an ongoing review of the quality, mix, and size of our overall loan portfolio;</TD></TR>
<TR> <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD> <TD WIDTH="99%" STYLE="vertical-align: top; text-align: justify">our historical loan loss experience;</TD></TR>
<TR> <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD> <TD WIDTH="99%" STYLE="vertical-align: top; text-align: justify">evaluation of economic conditions;</TD></TR>



<TR> <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD> <TD WIDTH="99%" STYLE="vertical-align: top; text-align: justify">regular reviews of loan delinquencies and loan portfolio quality;</TD></TR>
<TR> <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD> <TD WIDTH="99%" STYLE="vertical-align: top; text-align: justify">ongoing review of financial information provided by borrowers; and</TD></TR>
<TR> <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD> <TD WIDTH="99%" STYLE="vertical-align: top; text-align: justify">the amount and quality of collateral, including guarantees, securing the loans.</TD></TR>

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<P style="text-align: justify;">
<FONT size=2 face="sans-serif">The determination of the appropriate level of the allowance for loan losses inherently involves a high degree of subjectivity and requires us to make significant estimates of current credit risks and future trends, all of which may undergo material changes. Continuing deterioration in economic conditions affecting borrowers, new information regarding existing loans, identification of additional problem loans and other factors, both within and outside of our control, may require an increase in the allowance for loan losses. In addition, regulatory agencies periodically review our allowance for loan losses and may require an increase in the provision for loan losses or the recognition of further loan charge-offs, based on judgments different than those of management. In addition, if charge-offs in future periods exceed the allowance for loan losses, we will need additional provisions to increase the allowance for loan losses. Any increases in the allowance for loan losses will result in a decrease in net income and, possibly, capital, and may have a material adverse effect on our financial condition and results of operations.</FONT></P>
<P style="text-align: justify;">
<B><I><FONT size=2 face="sans-serif">A new accounting standard will result in a significant change in how we recognize credit losses and may have a material impact on our financial condition or results of operations.</FONT></I></B></P>
<P style="text-align: justify;">
<FONT size=2 face="sans-serif">In June 2016, the Financial Accounting Standards Board (&#147;FASB&#148;) issued an accounting standard update, &#147;Financial Instruments-Credit Losses (Topic 326), Measurement of Credit Losses on Financial Instruments,&#148; which replaces the current &#147;incurred loss&#148; model for recognizing credit losses with an &#147;expected loss&#148; model referred to as the Current Expected Credit Loss (&#147;CECL&#148;) model. Under the CECL model, we will be required to present certain financial assets carried at amortized cost, such as loans held for investment and held-to-maturity debt securities, at the net amount expected to be collected. The measurement of expected credit losses is to be based on information about past events, including historical experience, current conditions, and reasonable and supportable forecasts that affect the collectability of the reported amount. This measurement will take place at the time the financial asset is first added to the balance sheet and periodically thereafter. This differs significantly from the &#147;incurred loss&#148; model required under current generally accepted accounting principles (&#147;GAAP&#148;), which delays recognition until it is probable a loss has been incurred. Accordingly, we expect that the adoption of the CECL model will materially affect how we determine our allowance for loan losses and could require us to significantly increase our allowance. Moreover, the CECL model may create more volatility in the level of our allowance for loan losses. If we are required to materially increase our level of allowance for loan losses for any reason, such increase could adversely affect our business, financial condition and results of operations.</FONT></P>
<P style="text-align: justify;">
<FONT size=2 face="sans-serif">The new CECL standard will become effective for us on January 1, 2023 and for interim periods within that year. We are currently evaluating the impact the CECL model will have on our accounting, but we expect to recognize a onetime cumulative-effect adjustment to our allowance for loan losses as of the beginning of the first reporting period in which the new standard is effective, consistent with regulatory expectations set forth in interagency guidance issued at the end of 2016. We cannot yet determine the magnitude of any such one-time cumulative adjustment or of the overall impact of the new standard on our business, financial condition and results of operations.</FONT></P>

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<B><I><FONT size=2 face="sans-serif">Uncertainty relating to the London Inter-bank Offered Rate, or LIBOR, calculation process and potential phasing out of LIBOR may adversely affect us.</FONT></I></B></P>


<P style="text-align: justify;">
<FONT size=2 face="sans-serif">On July 27, 2017, the Chief Executive of the United Kingdom Financial Conduct Authority, which regulates LIBOR, announced that it intends to stop persuading or compelling banks to submit rates for the calibration of LIBOR to the administrator of LIBOR after 2021. The announcement indicates that the continuation of LIBOR on the current basis cannot and will not be guaranteed after 2021. It is impossible to predict whether and to what extent banks will continue to provide LIBOR submissions to the administrator of LIBOR or whether any additional reforms to LIBOR may be enacted in the United Kingdom or elsewhere. At this time, no consensus exists as to what rate or rates may become acceptable alternatives to LIBOR and it is impossible to predict the effect of any such alternatives on the value of LIBOR-based securities and variable rate loans, or other securities or financial arrangements, given LIBOR&#146;s role in determining market interest rates globally. The Federal Reserve Board, in conjunction with the Alternative Reference Rates Committee, a steering committee comprised of large U.S. financial institutions, is considering replacing the U.S. dollar LIBOR with a new index calculated by short-term repurchase agreements, backed by Treasury securities (&#147;SOFR&#148;). SOFR is observed and backward looking, which stands in contrast with LIBOR under the current methodology, which is an estimated forward-looking rate and relies, to some degree, on the expert judgment of submitting panel members. Given that SOFR is a secured rate backed by government securities, it will be a rate that does not take into account bank credit risk (as is the case with LIBOR). SOFR is therefore likely to be lower than LIBOR and is less likely to correlate with the funding costs of financial institutions. Whether or not SOFR attains traction as a LIBOR replacement tool remains in question, although some transactions using SOFR have been completed in 2019, and the future of LIBOR remains uncertain as this time. Uncertainty as to the nature of alternative reference rates and as to potential changes or other reforms to LIBOR may adversely affect LIBOR rates and the value of LIBOR-based loans, and securities in our portfolio. If LIBOR rates are no longer available, and we are required to implement substitute indices for the calculation of interest rates under our loan agreements with our borrowers, we may experience significant expenses in effecting the transition, and may be subject to disputes or litigation with customers and creditors over the appropriateness or comparability to LIBOR of the substitute indices, which could have an adverse effect on our results of operations.</FONT></P>
<P style="text-align: justify;">
<B><I><FONT size=2 face="sans-serif">Changes in U.S. trade policies and other factors beyond our control, including the imposition of tariffs and retaliatory tariffs and the impacts of epidemics or pandemics, may adversely impact our business, financial condition and results of operations.</FONT></I></B></P>
<P style="text-align: justify;">
<FONT size=2 face="sans-serif">There have been changes and discussions with respect to U.S. trade policies, legislation, treaties and tariffs, including trade policies and tariffs affecting other countries, including China, the European Union, Canada and Mexico and retaliatory tariffs by such countries. Tariffs and retaliatory tariffs have been imposed, and additional tariffs and retaliation tariffs have been proposed. Such tariffs, retaliatory tariffs or other trade restrictions on products and materials that our customers import or export could cause the prices of our customers&#146; products to increase which could reduce demand for such products, or reduce our customer margins, and adversely impact their revenues, financial results and ability to </FONT><FONT size=2 face="sans-serif">service debt; which, in turn, could adversely affect our financial condition and results of operations. In addition, to the </FONT><FONT size=2 face="sans-serif">extent changes in the political environment have a negative impact on us or on the markets in which we operate our business, results of operations and financial condition could be materially and adversely impacted in the future. It remains unclear what the U.S. Administration or foreign governments will or will not do with respect to tariffs already imposed, additional tariffs that may be imposed, or international trade agreements and policies. On January 26, 2020, President Trump signed a new trade deal between the United States, Canada and Mexico to replace the North American Free Trade Agreement. The full impact of this agreement on us, our customers and on the economic conditions in our primary banking markets is currently unknown. In addition, coronavirus and concerns regarding the extent to which it may spread have affected, and may increasingly affect, international trade (including supply chains and export levels), travel, employee productivity and other economic activities. A trade war or other governmental action related to tariffs or international trade agreements or policies, as well as coronavirus or other potential epidemics or pandemics, have the potential to negatively impact ours and/or our customers&#146; costs, demand for our customers' products, and/or the U.S. economy or certain sectors thereof and, thus, adversely affect our business, financial condition, and results of operations.</FONT></P>
<P style="text-align: justify;">
<B><I><FONT size=2 face="sans-serif">Lack of seasoning of our loan portfolio may increase the risk of credit defaults in the future.</FONT></I></B></P>
<P style="text-align: justify;">
<FONT size=2 face="sans-serif">Due to the growth of the Bank and expansion into new markets over the past several years, a portion of the loans in our loan portfolio and our lending relationships are of relatively recent origin. In general, loans do not begin to show signs of credit deterioration or default until they have been outstanding for some period of time, a process we refer to as &#147;seasoning.&#148; As a result, a portfolio of older loans will usually behave more predictably than a newer portfolio. Because our loan portfolio is relatively new, the current level of delinquencies and defaults may not be representative of the level that will prevail when the portfolio becomes more seasoned, which may be higher than current levels. If delinquencies and defaults increase, we may be required to increase our provision for loan losses, which would adversely affect our results of operations and financial condition.</FONT></P>
<P style="text-align: justify;">
<B><I><FONT size=2 face="sans-serif">We rely on other companies to provide key components of our business infrastructure.</FONT></I></B></P>
<P style="text-align: justify;">
<FONT size=2 face="sans-serif">Third parties provide key components of our business operations such as data processing, recording and monitoring transactions, online banking interfaces and services, internet connections and network access. While we have selected these third party vendors carefully, we do not control their actions. Any problem caused by these third parties, including poor performance of services, data breaches, failure to provide services, disruptions in communication services provided by a vendor and failure to handle current or higher volumes, could adversely affect our ability to deliver products and services to our clients and otherwise conduct our business, and may harm our reputation. Financial or operational difficulties of a third party vendor could also hurt our operations if those difficulties interfere with the vendor&#8217;s ability to serve us. Replacing these third party vendors could also create significant delay and expense. Accordingly, use of such third parties creates an unavoidable inherent risk to our business operations.</FONT></P>

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<P style="TEXT-ALIGN: justify"><B><I><FONT size=2 face=Arial>We may be adversely affected by the soundness of other financial institutions.</FONT></I></B></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Financial services institutions are interrelated as a result of trading, clearing, counterparty, or other relationships. We have exposure to many different industries and counterparties, and routinely execute transactions with counterparties in the financial services industry, including commercial banks, brokers and dealers, investment banks, and other institutional clients. Many of these transactions expose us to credit risk in the event of a default by a counterparty or client. In addition, our credit risk may be exacerbated when the collateral held by the Bank cannot be realized upon or is liquidated at prices not sufficient to recover the full amount of the credit or derivative exposure due to the Bank. Any such losses could have a material adverse effect on our financial condition and results of operations.</FONT></P>
<P style="TEXT-ALIGN: justify"><B><I><FONT size=2 face=Arial>We are subject to losses due to errors, omissions or fraudulent behavior by our employees, clients, counterparties or other third parties.</FONT></I></B></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>We are exposed to many types of operational risk, including the risk of fraud by employees and third parties, clerical recordkeeping errors and transactional errors. Our business is dependent on our employees as well as third-party service providers to process a large number of increasingly complex transactions. We could be materially and adversely affected if employees, clients, counterparties or other third parties caused an operational breakdown or failure, either as a result of human error, fraudulent manipulation or purposeful damage to any of our operations or systems.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>In deciding whether to extend credit or to enter into other transactions with clients and counterparties, we may rely on information furnished to us by or on behalf of clients and counterparties, including financial statements and other financial information, which we do not independently verify. We also may rely on representations of clients and counterparties as to the accuracy and completeness of that information and, with respect to financial statements, on reports of independent auditors. For example, in deciding whether to extend credit to clients, we may assume that a client&#8217;s audited financial statements conform with U.S. GAAP and present fairly, in all material respects, the financial condition, results of operations and cash flows of the client. Our financial condition and results of operations could be negatively affected to the extent we rely on financial statements that do not comply with GAAP or are materially misleading, any of which could be caused by errors, omissions, or fraudulent behavior by our employees, clients, counterparties, or other third parties.</FONT></P>
<P style="TEXT-ALIGN: justify"><B><I><FONT size=2 face=Arial>A percentage of the loans in our portfolio currently include exceptions to our loan policies and supervisory guidelines.</FONT></I></B></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>All of the loans that we make are subject to written loan policies adopted by our board of directors and to supervisory guidelines imposed by our regulators. Our loan policies are designed to reduce the risks associated with the loans that we make by requiring our loan officers to take certain steps that vary depending on the type and amount of the loan, prior to closing a loan. These steps include, among other things, making sure the proper liens are documented and perfected on property securing a loan, and requiring proof of adequate insurance coverage on property securing loans. Loans that do not fully comply with our loan policies are known as &#8220;exceptions.&#8221; We categorize exceptions as policy exceptions, financial statement exceptions and document exceptions. As a result of these exceptions, such loans may have a higher risk of loan loss than the other loans in our portfolio that fully comply with our loan policies. In addition, we may be subject to regulatory action by federal or state banking authorities if they believe the number of exceptions in our loan portfolio represents an unsafe banking practice.</FONT></P>
<P style="TEXT-ALIGN: justify"><B><I><FONT size=2 face=Arial>Our operational or security systems may experience an interruption or breach in security, including as a result of cyber-attacks.</FONT></I></B></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>We rely heavily on communications and information systems to conduct our business. Any failure, interruption or breach in security of these systems, including as a result of cyber-attacks, could result in failures or disruptions in our client relationship management, deposit, loan, and other systems and also the disclosure or misuse of confidential or proprietary information. While we have systems, policies and procedures designed to prevent or limit the effect of the failure, interruption or security breach of our information systems, there can be no assurance that any such failures, interruptions or security breaches will not occur or, if they do occur, that they will be adequately addressed. The occurrence of any failures, interruptions or security breaches of our information systems could damage our reputation, result in a loss of client business, subject us to additional regulatory scrutiny, or expose us to civil litigation and possible financial liability, any of which could have a material adverse effect on our business, financial condition and results of operations.</FONT></P>
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<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Furthermore, information security risks for financial institutions have generally increased in recent years in part because of the proliferation of new technologies, the use of the Internet and telecommunications technologies to conduct financial transactions, and the increased sophistication and activities of organized crime, hackers, terrorists, activists, and other external parties. Our technologies, systems, networks, and our customers&#8217; devices may become the target of cyber-attacks or information security breaches that could result in the unauthorized release, gathering, monitoring, misuse, loss or destruction of our or our customers&#8217; confidential, proprietary and other information, or otherwise disrupt our or our customers&#8217; or other third parties&#8217; business operations. As cyber threats continue to evolve, we may also be required to expend significant additional resources to continue to modify or enhance our protective measures or to investigate and remediate any information security vulnerabilities.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>While we have not experienced any material losses relating to cyber-attacks or other information security breaches to date, we may suffer such losses in the future and any information security breach could result in significant costs to us, which may include fines and penalties, potential liabilities from governmental or third party investigations, proceedings or litigation, legal, forensic and consulting fees and expenses, costs and diversion of management attention required for investigation and remediation actions, and the negative impact on our reputation and loss of confidence of our customers and others, any of which could have a material adverse impact on our business, financial condition and operating results.</FONT></P>
<P style="TEXT-ALIGN: justify"><B><I><FONT size=2 face=Arial>Our controls and procedures may fail or be circumvented.</FONT></I></B></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>We regularly review and update our internal controls, disclosure controls and procedures, and corporate governance policies and procedures. Any system of controls, however well designed and operated, is based in part on certain assumptions and can provide only reasonable, not absolute, assurances that the objectives of the system are met. Any failure or circumvention of our controls and procedures or failure to comply with regulations related to controls and procedures could have a material adverse effect on our business, results of operations and financial condition.</FONT></P>
<P style="TEXT-ALIGN: justify"><B><I><FONT size=2 face=Arial>Negative public opinion surrounding the Company and the financial institutions industry generally could damage our reputation and adversely impact our earnings.</FONT></I></B></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Reputation risk, or the risk to our business, earnings and capital from negative public opinion surrounding the Company and the financial institutions industry generally, is inherent in our business. Negative public opinion can result from our actual or alleged conduct in any number of activities, including lending practices, corporate governance and acquisitions, and from actions taken by government regulators and community organizations in response to those activities. Negative public opinion can adversely affect our ability to keep and attract clients and employees and can expose us to litigation and regulatory action. Although we take steps to minimize reputation risk in dealing with our clients and communities, this risk will always be present given the nature of our business.</FONT></P>
<P style="TEXT-ALIGN: justify"><B><I><FONT size=2 face=Arial>Environmental liability associated with commercial lending could result in losses.</FONT></I></B></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>In the course of business, the Bank may acquire, through foreclosure, or deed in lieu of foreclosure, properties securing loans it has originated or purchased which are in default. Particularly in commercial real estate lending, there is a risk that hazardous substances could be discovered on these properties. In this event, the Bank may be required to remove these substances from the affected properties at our sole cost and expense. The cost of this removal could substantially exceed the value of affected properties. We may not have adequate remedies against the prior owner or other responsible parties and could find it difficult or impossible to sell the affected properties. These events could have a material adverse effect on our business, results of operations and financial condition.</FONT></P>
<P style="TEXT-ALIGN: justify"><B><I><FONT size=2 face=Arial>Consumers may decide not to use banks to complete their financial transactions.</FONT></I></B></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Technology and other changes are allowing parties to complete financial transactions through alternative methods that historically have involved banks. For example, consumers can now maintain funds that would have historically been held as bank deposits in brokerage accounts, mutual funds or general-purpose reloadable prepaid cards. Consumers can also complete transactions such as paying bills and/or transferring funds directly without the assistance of banks. The process of eliminating banks as intermediaries, known as &#8220;disintermediation,&#8221; could result in the loss of fee income, as well as the loss of customer deposits and the related income generated from those deposits. The loss of these revenue streams and the lower cost of deposits as a source of funds could have a material adverse effect on our financial condition and results of operations.</FONT></P>
<P style="TEXT-ALIGN: justify"><B><I><FONT size=2 face=Arial>Failure to keep pace with technological change could adversely affect our business.</FONT></I></B></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The financial services industry is continually undergoing rapid technological change with frequent introductions of new technology-driven products and services. The effective use of technology increases efficiency and enables financial institutions to better serve customers and to reduce costs. Our future success depends, in part, upon our ability to address the needs of our customers by using technology to provide products and services that will satisfy customer demands, as well as to create additional efficiencies in our operations. Many of our competitors have substantially greater resources to invest in technological improvements. We may not be able to effectively implement new technology-driven products and services or be successful in marketing these products and services to our customers. Failure to successfully keep pace with technological change affecting the financial services industry could have a material adverse impact on our business and, in turn, our financial condition and results of operations.</FONT></P>
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<P style="TEXT-ALIGN: justify"><B><I><FONT size=2 face=Arial>New lines of business or new products and services may subject us to additional risk.</FONT></I></B></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>From time to time, we may implement new lines of business or offer new products and services within existing lines of business. There are substantial risks and uncertainties associated with these efforts, particularly in instances where the markets are not fully developed. In developing and marketing new lines of business and/or new products and services, we may invest significant time and resources. Initial timetables for the introduction and development of new lines of business and/or new products or services may not be achieved and price and profitability targets may not prove feasible. External factors, such as compliance with regulations, competitive alternatives, and shifting market preferences, may also impact the successful implementation of a new line of business and/or a new product or service. Furthermore, any new line of business and/or new product or service could have a significant impact on the effectiveness of our system of internal controls. Failure to successfully manage these risks in the development and implementation of new lines of business and/or new products or services could have a material adverse effect on our business and, in turn, our financial condition and results of operations.</FONT></P>
<P style="TEXT-ALIGN: justify"><B><I><FONT size=2 face=Arial>Our profitability is dependent on our banking activities.</FONT></I></B></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Because we are a bank holding company, our profitability is directly attributable to the success of the Bank. Our banking activities compete with other banking institutions on the basis of products, service, convenience and price, among others. Due in part to both regulatory changes and consumer demands, banks have experienced increased competition from other entities offering similar products and services. We rely on the profitability of the Bank and dividends received from the Bank for payment of our operating expenses and satisfaction of our obligations. As is the case with other similarly situated financial institutions, our profitability will be subject to the fluctuating cost and availability of funds, changes in the prime lending rate and other interest rates, changes in economic conditions in general, and other factors.</FONT></P>
<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>Regulatory and Legal Risks</FONT></B></P>
<P style="TEXT-ALIGN: justify"><B><I><FONT size=2 face=Arial>We are subject to extensive regulation that could restrict our activities, have an adverse impact on our operations, and impose financial requirements or limitations on the conduct of our business.</FONT></I></B></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>We operate in a highly regulated industry and are subject to examination, supervision, and comprehensive regulation by various regulatory agencies. We are subject to regulation by the Federal Reserve. The Bank is subject to extensive regulation, supervision, and examination by our primary federal regulator, the FDIC, the regulating authority that insures client deposits, and by our primary state regulator, the S.C. Board. Also, as a member of the Federal Home Loan Bank, the Bank must comply with applicable regulations of the Federal Housing Finance Board and the Federal Home Loan Bank. Regulation by these agencies is intended primarily for the protection of our depositors and the deposit insurance fund and not for the benefit of our shareholders. The Bank&#8217;s activities are also regulated under consumer protection laws applicable to our lending, deposit, and other activities. A sufficient claim against us under these laws could have a material adverse effect on our results of operations.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Further, changes in laws, regulations and regulatory practices affecting the financial services industry could subject us to additional costs, limit the types of financial services and products we may offer and/or increase the ability of non-banks to offer competing financial services and products, among other things. Failure to comply with laws, regulations or policies could also result in heightened regulatory scrutiny and in sanctions by regulatory agencies (such as a memorandum of understanding, a written supervisory agreement or a cease and desist order), civil money penalties and/or reputation damage. Any of these consequences could restrict our ability to expand our business or could require us to raise additional capital or sell assets on terms that are not advantageous to us or our shareholders and could have a material adverse effect on our business, financial condition and results of operations. While we have policies and procedures designed to prevent any such violations, such violations may occur despite our best efforts.</FONT></P>
<P style="TEXT-ALIGN: justify"><B><I><FONT size=2 face=Arial>Failure to comply with government regulation and supervision could result in sanctions by regulatory agencies, civil money penalties, and damage to our reputation.</FONT></I></B></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Our operations are subject to extensive regulation by federal, state, and local governmental authorities. Given the recent disruption in the financial markets, we expect that the government will continue to pass new regulations and laws that will impact us. Compliance with such regulations may increase our costs and limit our ability to pursue business opportunities. Failure to comply with laws, regulations, and policies could result in sanctions by regulatory agencies, civil money penalties, and damage to our reputation. While we have policies and procedures in place that are designed to prevent violations of these laws, regulations, and policies, there can be no assurance that such violations will not occur.</FONT></P>
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<P style="TEXT-ALIGN: justify"><B><I><FONT size=2 face=Arial>Failure to comply with government regulation and supervision could result in sanctions by regulatory agencies, civil money penalties, and damage to our reputation.</FONT></I></B></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Our operations are subject to extensive regulation by federal, state, and local governmental authorities. Given the recent disruption in the financial markets, we expect that the government will continue to pass new regulations and laws that will impact us. Compliance with such regulations may increase our costs and limit our ability to pursue business opportunities. Failure to comply with laws, regulations, and policies could result in sanctions by regulatory agencies, civil money penalties, and damage to our reputation. While we have policies and procedures in place that are designed to prevent violations of these laws, regulations, and policies, there can be no assurance that such violations will not occur.</FONT></P>
<P style="TEXT-ALIGN: justify"><B><I><FONT size=2 face=Arial>We may be subject to more stringent capital requirements in the future.</FONT></I></B></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>We are subject to regulatory requirements specifying minimum amounts and types of capital that we must maintain. From time to time, the regulators change these regulatory capital adequacy guidelines. If we fail to meet these minimum capital guidelines and other regulatory requirements, we or our subsidiaries may be restricted in the types of activities we may conduct and we may be prohibited from taking certain capital actions, such as paying dividends and repurchasing or redeeming capital securities.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>In particular, the capital requirements applicable to the Bank under the Basel III rules become fully phased-in on January 1, 2019. The Bank is now required to satisfy additional, more stringent, capital adequacy standards than it had in the past. While we expect to meet the requirements of the Basel III rules, we may fail to do so. Failure to meet minimum capital requirements could result in certain mandatory and possible additional discretionary actions by regulators that, if undertaken, could have an adverse material effect on our financial condition and results of operations. In addition, these requirements could have a negative impact on our ability to lend, grow deposit balances, make acquisitions or make capital distributions in the form of dividends or share repurchases. Higher capital levels could also lower our return on equity.</FONT></P>
<P style="TEXT-ALIGN: justify"><B><I><FONT size=2 face=Arial>Higher FDIC deposit insurance premiums and assessments could adversely affect our financial condition.</FONT></I></B></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Our deposits are insured up to applicable limits by the Deposit Insurance Fund of the FDIC and are subject to deposit insurance assessments to maintain deposit insurance. As an FDIC-insured institution, we are required to pay quarterly deposit insurance premium assessments to the FDIC. Although we cannot predict what the insurance assessment rates will be in the future, either deterioration in our risk-based capital ratios or adjustments to the base assessment rates could have a material adverse impact on our business, financial condition, results of operations, and cash flows.</FONT></P>
<P style="TEXT-ALIGN: justify"><B><I><FONT size=2 face=Arial>We face a risk of noncompliance and enforcement action with the Bank Secrecy Act and other anti-money laundering statutes and regulations.</FONT></I></B></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The federal Bank Secrecy Act, the USA Patriot Act and other laws and regulations require financial institutions, among other duties, to institute and maintain effective anti-money laundering programs and file suspicious activity and currency transaction reports as appropriate. The federal Financial Crimes Enforcement Network, established by the U.S. Treasury to administer the Bank Secrecy Act, is authorized to impose significant civil money penalties for violations of those requirements and has recently engaged in coordinated enforcement efforts with the individual federal banking regulators, as well as the U.S. Department of Justice, Drug Enforcement Administration and Internal Revenue Service. There is also increased scrutiny of compliance with the rules enforced by OFAC. Federal and state bank regulators also have begun to focus on compliance with Bank Secrecy Act and anti-money laundering regulations. If our policies, procedures and systems are deemed deficient or the policies, procedures and systems of the financial institutions that we have already acquired or may acquire in the future are deficient, we would be subject to liability, including fines and regulatory actions such as restrictions on our ability to pay dividends and the necessity to obtain regulatory approvals to proceed with certain aspects of our business plan, including our acquisition plans, which would negatively affect our business, financial condition and results of operations. Failure to maintain and implement adequate programs to combat money laundering and terrorist financing could also have serious reputational consequences for us.</FONT></P>
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<P style="TEXT-ALIGN: justify"><B><I><FONT size=2 face=Arial>Federal, state and local consumer lending laws may restrict our ability to originate certain mortgage loans or increase our risk of liability with respect to such loans and could increase our cost of doing business.</FONT></I></B></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Federal, state and local laws have been adopted that are intended to eliminate certain lending practices considered &#8220;predatory.&#8221; These laws prohibit practices such as steering borrowers away from more affordable products, selling unnecessary insurance to borrowers, repeatedly refinancing loans and making loans without a reasonable expectation that the borrowers will be able to repay the loans irrespective of the value of the underlying property. Loans with certain terms and conditions and that otherwise meet the definition of a &#8220;qualified mortgage&#8221; may be protected from liability to a borrower for failing to make the necessary determinations. In either case, we may find it necessary to tighten our mortgage loan underwriting standards in response to the CFPB rules, which may constrain our ability to make loans consistent with our business strategies. It is our policy not to make predatory loans and to determine borrowers' ability to repay, but the law and related rules create the potential for increased liability with respect to our lending and loan investment activities. They increase our cost of doing business and, ultimately, may prevent us from making certain loans and cause us to reduce the average percentage rate or the points and fees on loans that we do make.</FONT></P>
<P style="TEXT-ALIGN: justify"><B><I><FONT size=2 face=Arial>We are subject to federal and state fair lending laws, and failure to comply with these laws could lead to material penalties.</FONT></I></B></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Federal and state fair lending laws and regulations, such as the Equal Credit Opportunity Act and the Fair Housing Act, impose nondiscriminatory lending requirements on financial institutions. The Department of Justice, CFPB and other federal and state agencies are responsible for enforcing these laws and regulations. Private parties may also have the ability to challenge an institution's performance under fair lending laws in private class action litigation. A successful challenge to our performance under the fair lending laws and regulations could adversely impact our rating under the Community Reinvestment Act and result in a wide variety of sanctions, including the required payment of damages and civil money penalties, injunctive relief, imposition of restrictions on merger and acquisition activity and restrictions on expansion activity, which could negatively affect our reputation, business, financial condition and results of operations.</FONT></P>
<P style="TEXT-ALIGN: justify"><B><I><FONT size=2 face=Arial>The Federal Reserve may require us to commit capital resources to support the Bank.</FONT></I></B></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The Federal Reserve requires a bank holding company to act as a source of financial and managerial strength to a subsidiary bank and to commit resources to support such subsidiary bank. Under the &#8220;source of strength&#8221; doctrine, the Federal Reserve may require a bank holding company to make capital injections into a troubled subsidiary bank and may charge the bank holding company with engaging in unsafe and unsound practices for failure to commit resources to such a subsidiary bank. In addition, the Dodd-Frank Act directs the federal bank regulators to require that all companies that directly or indirectly control an insured depository institution serve as a source of strength for the institution. Under these requirements, in the future, we could be required to provide financial assistance to the Bank if the Bank experiences financial distress.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>A capital injection may be required at times when we do not have the resources to provide it, and therefore we may be required to borrow the funds. In the event of a bank holding company's bankruptcy, the bankruptcy trustee will assume any commitment by the holding company to a federal bank regulatory agency to maintain the capital of a subsidiary bank. Moreover, bankruptcy law provides that claims based on any such commitment will be entitled to a priority of payment over the claims of the holding company's general unsecured creditors, including the holders of its note obligations. Thus, any borrowing that must be done by the holding company in order to make the required capital injection becomes more difficult and expensive and will adversely impact the holding company's cash flows, financial condition, results of operations and prospects.</FONT></P>
<P style="TEXT-ALIGN: justify"><B><I><FONT size=2 face=Arial>We may be subject to claims and litigation asserting lender liability.</FONT></I></B></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>From time to time, clients and others make claims and take legal action pertaining to our performance of fiduciary responsibilities. These claims are often referred to as &#8220;lender liability&#8221; claims and are sometimes brought in an effort to produce or increase leverage against us in workout negotiations or debt collection proceedings. Lender liability claims frequently assert one or more of the following allegations: breach of fiduciary duties, fraud, economic duress, breach of contract, breach of the implied covenant of good faith and fair dealing, and similar claims. Whether customer claims and legal action related to the performance of our responsibilities are founded or unfounded, if such claims and legal actions are not resolved in a favorable manner, they may result in significant financial liability and/or adversely affect our market reputation, products and services, as well as potentially affecting customer demand for those products and services. Any financial liability or reputation damage could have a material adverse effect on our business, which, in turn, could have a material adverse effect on our financial condition, results of operations and liquidity.</FONT></P>
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<P style="TEXT-ALIGN: justify"><B><I><FONT size=2 face=Arial>From time to time we are, or may become, involved in suits, legal proceedings, information-gatherings, investigations and proceedings by governmental and self-regulatory agencies that may lead to adverse consequences.</FONT></I></B></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Many aspects of the banking business involve a substantial risk of legal liability. From time to time, we are, or may become, the subject of information-gathering requests, reviews, investigations and proceedings, and other forms of regulatory inquiry, including by bank regulatory agencies, self-regulatory agencies, the SEC and law enforcement authorities. The results of such proceedings could lead to significant civil or criminal penalties, including monetary penalties, damages, adverse judgements, settlements, fines, injunctions, restrictions on the way we conduct our business or reputational harm.</FONT></P>
<P style="TEXT-ALIGN: justify"><B><I><FONT size=2 face=Arial>There is uncertainty surrounding the potential legal, regulatory and policy changes by the current presidential administration in the U.S. that may directly affect financial institutions and the global economy.</FONT></I></B></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The current presidential administration has indicated that it would like to see changes made to certain financial reform regulations, including the Dodd-Frank Act, which has resulted in increased regulatory uncertainty, and we are assessing the potential impact on financial and economic markets and on our business. Changes in federal policy and at regulatory agencies are expected to occur over time through policy and personnel changes, which could lead to changes involving the level of oversight and focus on the financial services industry. The nature, timing and economic and political effects of potential changes to the current legal and regulatory framework affecting financial institutions remain highly uncertain. At this time, it is unclear what laws, regulations and policies may change and whether future changes or uncertainty surrounding future changes will adversely affect our operating environment and, therefore, our business, financial condition and results of operations.</FONT></P>
<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>Risks Related to Our Common Stock</FONT></B></P>
<P style="TEXT-ALIGN: justify"><B><I><FONT size=2 face=Arial>Our ability to pay cash dividends is limited, and we may be unable to pay future dividends even if we desire to do so.</FONT></I></B></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The Federal Reserve has issued a policy statement regarding the payment of dividends by bank holding companies. In general, the Federal Reserve&#8217;s policies provide that dividends should be paid only out of current earnings and only if the prospective rate of earnings retention by the bank holding company appears consistent with the organization&#8217;s capital needs, asset quality and overall financial condition. The Federal Reserve&#8217;s policies also require that a bank holding company serve as a source of financial strength to its subsidiary banks by standing ready to use available resources to provide adequate capital funds to those banks during periods of financial stress or adversity and by maintaining the financial flexibility and capital-raising capacity to obtain additional resources for assisting its subsidiary banks where necessary. Further, under the prompt corrective action regulations, the ability of a bank holding company to pay dividends may be restricted if a subsidiary bank becomes undercapitalized. These regulatory policies could affect the ability of the Company to pay dividends or otherwise engage in capital distributions.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Statutory and regulatory limitations apply to the Bank&#8217;s payment of dividends to the Company. As a South Carolina chartered bank, the Bank is subject to limitations on the amount of dividends that it is permitted to pay. Unless otherwise instructed by the S.C. Board, the Bank is generally permitted under South Carolina state banking regulations to pay cash dividends of up to 100% of net income in any calendar year without obtaining the prior approval of the S.C. Board. The FDIC also has the authority under federal law to enjoin a bank from engaging in what in its opinion constitutes an unsafe or unsound practice in conducting its business, including the payment of a dividend under certain circumstances. If the Bank is not permitted to pay cash dividends to the Company, it is unlikely that we would be able to pay cash dividends on our common stock. Moreover, holders of our common stock are entitled to receive dividends only when, and if declared by our board of directors.</FONT></P>
<P style="TEXT-ALIGN: justify"><B><I><FONT size=2 face=Arial>Our stock price may be volatile, which could result in losses to our investors and litigation against us.</FONT></I></B></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Our stock price has been volatile in the past and several factors could cause the price to fluctuate substantially in the future. These factors include but are not limited to: actual or anticipated variations in earnings, changes in analysts&#8217; recommendations or projections, our announcement of developments related to our businesses, operations and stock performance of other companies deemed to be peers, new technology used or services offered by traditional and non-traditional competitors, news reports of trends, irrational exuberance on the part of investors, new federal banking regulations, and other issues related to the financial services industry. Our stock price may fluctuate significantly in the future, and these fluctuations may be unrelated to our performance. General market declines or market volatility in the future, especially in the financial institutions sector, could adversely affect the price of our common stock, and the current market price may not be indicative of future market prices. Stock price volatility may make it more difficult for you to resell your common stock when you want and at prices you find attractive. Moreover, in the past, securities class action lawsuits have been instituted against some companies following periods of volatility in the market price of its securities. We could in the future be the target of similar litigation. Securities litigation could result in substantial costs and divert management&#8217;s attention and resources from our normal business.</FONT></P>

<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>36</FONT></P>
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<P style="TEXT-ALIGN: justify"><B><I><FONT size=2 face=Arial>Future sales of our stock by our shareholders or the perception that those sales could occur may cause our stock price to decline.</FONT></I></B></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Although our common stock is listed for trading on The NASDAQ Global Market, the trading volume in our common stock is lower than that of other larger financial services companies. A public trading market having the desired characteristics of depth, liquidity and orderliness depends on the presence in the marketplace of willing buyers and sellers of our common stock at any given time. This presence depends on the individual decisions of investors and general economic and market conditions over which we have no control. Given the relatively low trading volume of our common stock, significant sales of our common stock in the public market, or the perception that those sales may occur, could cause the trading price of our common stock to decline or to be lower than it otherwise might be in the absence of those sales or perceptions.</FONT></P>

<P style="TEXT-ALIGN: justify"><B><I><FONT size=2 face=Arial>Economic and other circumstances may require us to raise capital at times or in amounts that are unfavorable to us. If we have to issue shares of common stock, they will dilute the percentage ownership interest of existing shareholders and may dilute the book value per share of our common stock and adversely affect the terms on which we may obtain additional capital.</FONT></I></B></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>We may need to incur additional debt or equity financing in the future to make strategic acquisitions or investments or to strengthen our capital position. Our ability to raise additional capital, if needed, will depend on, among other things, conditions in the capital markets at that time, which are outside of our control and our financial performance. We cannot provide assurance that such financing will be available to us on acceptable terms or at all, or if we do raise additional capital that it will not be dilutive to existing shareholders.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>If we determine, for any reason, that we need to raise capital, subject to applicable NASDAQ rules, our board generally has the authority, without action by or vote of the shareholders, to issue all or part of any authorized but unissued shares of stock for any corporate purpose, including issuance of equity-based incentives under or outside of our equity compensation plans. Additionally, we are not restricted from issuing additional common stock or preferred stock, including any securities that are convertible into or exchangeable for, or that represent the right to receive, common stock or preferred stock or any substantially similar securities. The market price of our common stock could decline as a result of sales by us of a large number of shares of common stock or preferred stock or similar securities in the market or from the perception that such sales could occur. If we issue preferred stock that has a preference over the common stock with respect to the payment of dividends or upon liquidation, dissolution or winding-up, or if we issue preferred stock with voting rights that dilute the voting power of the common stock, the rights of holders of the common stock or the market price of our common stock could be adversely affected. Any issuance of additional shares of stock will dilute the percentage ownership interest of our shareholders and may dilute the book value per share of our common stock. Shares we issue in connection with any such offering will increase the total number of shares and may dilute the economic and voting ownership interest of our existing shareholders.</FONT></P>

<P style="TEXT-ALIGN: justify"><B><I><FONT size=2 face=Arial>Provisions of our articles of incorporation and bylaws, South Carolina law, and state and federal banking regulations, could delay or prevent a takeover by a third party.</FONT></I></B></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Our articles of incorporation and bylaws could delay, defer, or prevent a third party takeover, despite possible benefit to the shareholders, or otherwise adversely affect the price of our common stock. Our governing documents:</FONT></P>

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<TR>

   <TD style="PADDING-LEFT: 15pt; PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt; COLOR: #000000">&#9679;</FONT></TD>

   <TD VALIGN="TOP" WIDTH="99%" STYLE="text-align: justify"><FONT style="COLOR: #000000" face=arial>authorize a class of preferred stock that may be issued in series with terms, including voting rights, established by the board of directors without shareholder approval;</FONT></TD></TR>

<TR>

   <TD style="PADDING-LEFT: 15pt; PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt; COLOR: #000000">&#9679;</FONT></TD>

   <TD VALIGN="TOP" WIDTH="99%" STYLE="text-align: justify"><FONT style="COLOR: #000000" face=arial>authorize 10,000,000 shares of common stock and 10,000,000 shares of preferred stock that may be issued by the board of directors without shareholder approval;</FONT></TD></TR>

<TR>

   <TD style="PADDING-LEFT: 15pt; PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt; COLOR: #000000">&#9679;</FONT></TD>

   <TD VALIGN="TOP" WIDTH="99%" STYLE="text-align: justify"><FONT style="COLOR: #000000" face=arial>classify our board with staggered three year terms, preventing a change in a majority of the board at any annual meeting;</FONT></TD></TR>

<TR>

   <TD style="PADDING-LEFT: 15pt; PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt; COLOR: #000000">&#9679;</FONT></TD>

   <TD VALIGN="TOP" WIDTH="99%" STYLE="text-align: justify"><FONT style="COLOR: #000000" face=arial>require advance notice of proposed nominations for election to the board of directors and business to be conducted at a shareholder meeting;</FONT></TD></TR>

<TR>

   <TD style="PADDING-LEFT: 15pt; PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt; COLOR: #000000">&#9679;</FONT></TD>

   <TD VALIGN="TOP" WIDTH="99%" STYLE="text-align: justify"><FONT style="COLOR: #000000" face=arial>grant the board of directors the discretion, when considering whether a proposed merger or similar transaction is in the best interests of the Company and our shareholders, to take into account the effect of the transaction on the employees, clients and suppliers of the Company and upon the communities in which offices of the Company are located, to the extent permitted by South Carolina law;</FONT></TD></TR></TABLE>

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<TR>

   <TD style="PADDING-LEFT: 15pt; PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt; COLOR: #000000">&#9679;</FONT></TD>

   <TD VALIGN="TOP" WIDTH="99%" STYLE="text-align: justify"><FONT style="COLOR: #000000" face=arial>provide that the number of directors shall be fixed from time to time by resolution adopted by a majority of the directors then in office, but may not consist of fewer than five nor more than 25 members; and</FONT></TD></TR>

<TR>

   <TD style="PADDING-LEFT: 15pt; PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt; COLOR: #000000">&#9679;</FONT></TD>

   <TD VALIGN="TOP" WIDTH="99%" STYLE="text-align: justify"><FONT style="COLOR: #000000" face=arial>provide that no individual who is or becomes a "business competitor" or who is or becomes affiliated with, employed by, or a representative of any individual, corporation, or other entity which the board of directors, after having such matter formally brought to its attention, determines to be in competition with us or any of our subsidiaries (any such individual, corporation, or other entity being a "business competitor") shall be eligible to serve as a director if the board of directors determines that it would not be in our best interests for such individual to serve as a director (any financial institution having branches or affiliates within Greenville County, South Carolina is presumed to be a business competitor unless the board of directors determines otherwise).</FONT></TD></TR></TABLE>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>In addition, the South Carolina business combinations statute provides that a 10% or greater shareholder of a resident domestic corporation cannot engage in a "business combination" (as defined in the statute) with such corporation for a period of two years following the date on which the 10% shareholder became such, unless the business combination or the acquisition of shares is approved by a majority of the disinterested members of such corporation's board of directors before the 10% shareholder's share acquisition date. This statute further provides that at no time (even after the two-year period subsequent to such share acquisition date) may the 10% shareholder engage in a business combination with the relevant corporation unless certain approvals of the board of directors or disinterested shareholders are obtained or unless the consideration given in the combination meets certain minimum standards set forth in the statute. The law is very broad in its scope and is designed to inhibit unfriendly acquisitions but it does not apply to corporations whose articles of incorporation contain a provision electing not to be covered by the law. Our articles of incorporation do not contain such a provision. An amendment of our articles of incorporation to that effect would, however, permit a business combination with an interested shareholder even though that status was obtained prior to the amendment.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Finally, the Change in Bank Control Act and the Bank Holding Company Act generally require filings and approvals prior to certain transactions that would result in a party acquiring control of the Company or the Bank.</FONT></P>

<P style="TEXT-ALIGN: justify"><B><I><FONT size=2 face=Arial>Our common stock is not an insured deposit and is not guaranteed by the FDIC.</FONT></I></B></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Shares of our common stock are not a bank deposit and, therefore, losses in value are not insured by the FDIC, any other deposit insurance fund or by any other public or private entity. Investment in shares of our common stock is inherently risky for the reasons described herein and our shareholders will bear the risk of loss if the value or market price of our common stock is adversely affected.</FONT></P>

<P style="TEXT-ALIGN: justify"><B><U><A NAME="Item1BUnresolvedStaffComments38"></A><FONT size=2 face=Arial>Item 1B. Unresolved Staff Comments.</FONT></U></B></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>None.</FONT></P>

<P style="TEXT-ALIGN: justify"><B><A NAME="Item2Properties38"></A><U><FONT size=2 face=Arial>Item 2. Properties.</FONT></U></B></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Our principal executive offices and the Bank's main office is located at 100 Verdae Boulevard, Suite 100, Greenville, South Carolina 29607. In addition, we currently operate nine additional offices located in Greenville, Columbia and Charleston, South Carolina, one office in Raleigh, North Carolina, one office in Greensboro, North Carolina, and one office in Atlanta, Georgia. We lease six of our offices and own the remaining seven locations. In addition, the Company owns an undeveloped tract of property in Greenville, South Carolina on which it intends to construct a new bank headquarters. Management believes the terms of the various leases are consistent with market standards and were arrived at through arm's-length bargaining.</FONT></P>

<P style="TEXT-ALIGN: justify"><B><U><A NAME="Item3LegalProceedings38"></A><FONT size=2 face=Arial>Item 3. Legal Proceedings.</FONT></U></B></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>In the ordinary course of operations, we may be a party to various legal proceedings from time to time. We do not believe that there is any pending or threatened proceeding against us, which, if determined adversely, would have a material effect on our business, results of operations, or financial condition.</FONT></P>

<P style="TEXT-ALIGN: justify"><A NAME="Item4MineSafetyDisclosures38"></A><B><U><FONT size=2 face=Arial>Item 4. Mine Safety Disclosures.</FONT></U></B></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>None.</FONT></P>

<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>38</FONT></P>

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<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial><A NAME="PARTII"></A>PART II</FONT></B></P>

<P style="TEXT-ALIGN: justify"><B><U><FONT size=2 face=Arial><A NAME="Item5MarketforCommonEquityRelatedShareholderMattersandIssuerPurchasesofEquitySecurities39"></A>Item 5. Market for Common Equity, Related Shareholder Matters and Issuer Purchases of Equity Securities.</FONT></U></B></P>

<P style="TEXT-ALIGN: justify"><B><I><U><FONT size=2 face=Arial>Market Information and Holders of Record</FONT></U></I></B></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Our common stock is currently traded on the NASDAQ Global Market under the symbol &#8220;SFST.&#8221; We had approximately 2,200 shareholders of record on February 21, 2020.</FONT></P>

<P style="TEXT-ALIGN: justify"><B><I><U><FONT size=2 face=Arial>Dividends</FONT></U></I></B></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>We have not declared or paid any cash dividends on our common stock since our inception. For the foreseeable future, we do not intend to declare cash dividends. We intend to retain earnings to grow our business and strengthen our capital base. Our ability to pay cash dividends depends primarily on the ability of our subsidiary, the Bank to pay dividends to us. As a South Carolina chartered bank, the Bank is subject to limitations on the amount of dividends that it is permitted to pay. Unless otherwise instructed by the S.C. Board, the Bank is generally permitted under South Carolina state banking regulations to pay cash dividends of up to 100% of net income in any calendar year without obtaining the prior approval of the S.C. Board. The FDIC also has the authority under federal law to enjoin a bank from engaging in what in its opinion constitutes an unsafe or unsound practice in conducting its business, including the payment of a dividend under certain circumstances.</FONT></P>

<P style="TEXT-ALIGN: justify"><B><I><U><FONT size=2 face=Arial>Equity Compensation Plan Information</FONT></U></I></B></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The following table sets forth equity compensation plan information at December 31, 2019. The number of shares and the exercise prices for options and warrants has been adjusted for the 3 for 2 stock split in 2003 and the subsequent 10% stock dividends in 2006, 2011, 2012, and 2013.</FONT></P>

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<TR vAlign=bottom>

   <TD STYLE="width: 93%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-top: Black 1.5pt solid">&nbsp;</TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-top: Black 1.5pt solid"><B><FONT size=1 face=Arial></FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="93%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial>Number of securities</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="93%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial>remaining available for</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="93%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial>Number of securities</FONT></B></TD>

   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial>future issuance under</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="93%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial>to be issued upon</FONT></B></TD>

   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Weighted-average</FONT></B></TD>

   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial>equity compensation</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="93%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial>exercise of</FONT></B></TD>

   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>exercise price of</FONT></B></TD>

   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial>plans (c) (excluding</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="93%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial>outstanding options,</FONT></B></TD>

   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>outstanding options,</FONT></B></TD>

   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial>securities reflected in</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 93%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Plan Category</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>warrants and rights (a)</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>warrants and rights (b)</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>column(a))</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 93%; text-align: left"><FONT size=2 face=Arial>Equity compensation plans approved by security holders</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 93%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>2000 Stock options (1)</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>33,759</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>5.94</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 93%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>2010 Stock Incentive Plan &#8211; options</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>286,870</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>20.93</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>9,275</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 93%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>2016 Equity Incentive Plan &#8211; options</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>220,785</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>37.26</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>174,715</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="padding-left: 15pt; width: 93%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>2016 Equity Incentive Plan &#8211; restricted stock</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>32,349</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="padding-left: 15pt; width: 93%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>Total</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>541,414</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>26.65</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>216,339</FONT></TD></TR></TABLE>

<BR>

<TABLE style="LINE-HEIGHT: normal; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom>

   <TD STYLE="padding-right: 8pt; vertical-align: top; width: 1%; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>(1)</FONT></TD>

   <TD VALIGN="TOP" WIDTH="99%" ALIGN="LEFT" STYLE="text-align: justify"><FONT size=1 face=Arial>Under the terms of the 2000 Plan no further incentive stock option awards may be granted, effective March 2010; however, the Plan will remain in effect until all awards have been exercised or forfeited and we determine to terminate the Plan. As of March 2010, any options that expire or are forfeited are eligible to be reissued as non-qualified stock option awards.</FONT></TD></TR></TABLE>


<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>39</FONT></P>

<HR align=center SIZE=2 width="100%" noShade>



<DIV style="PAGE-BREAK-BEFORE: always"></DIV>

<P align ="left"><font size=2 face=Arial><A HREF="#toc"><B>Table of Contents</B></A></FONT></P>



<P style="TEXT-ALIGN: justify"><B><I><U><FONT size=2 face=Arial>Stock Performance Graph</FONT></U></I></B></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The performance graph below compares the Company&#8217;s cumulative total return over the most recent five-year period with the SNL Southeast Bank Index, a banking industry performance index for the southeastern United States, and the Russell 2000 Index, a small-cap stock market index which the Company was added to in June 2016. Returns are shown on a total return basis, assuming the reinvestment of dividends and a beginning stock index value of $100 per share.</FONT></P>

<P align=center>
<IMG border=0 src="sfb35772717-10k7x4x1.jpg"></P>

<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom>

   <TD STYLE="width: 87%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD COLSPAN="12" STYLE="width: 12%; white-space: nowrap; text-align: center; border-top: Black 1.5pt solid">&nbsp;<B><FONT size=1 face=Arial></FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="87%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD COLSPAN="12" STYLE="width: 12%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Period Ending</FONT></B> <B><FONT size=1 face=Arial></FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="87%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>12/31/2014</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>12/31/2015</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>12/31/2016</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>12/31/2017</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>12/31/2018</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>12/31/2019</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="87%" noWrap align=left><FONT size=2 face=Arial>Southern First Bancshares</FONT></TD>

   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>&nbsp;$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>100.00</FONT></TD>

   <TD width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>133.37</FONT></TD>

   <TD width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>211.52</FONT></TD>

   <TD width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>242.36</FONT></TD>

   <TD width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>188.43</FONT></TD>

   <TD width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>249.65</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="87%" noWrap align=left><FONT size=2 face=Arial>SNL Southeast Bank Index</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>100.00</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>96.88</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>126.14</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>153.43</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>124.39</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>171.03</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 87%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>Russell 2000 Index</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>100.00</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>94.29</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>112.65</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>127.46</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>111.94</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>138.50</FONT></TD></TR></TABLE>


<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>40</FONT></P>

<HR align=center SIZE=2 width="100%" noShade>



<DIV style="PAGE-BREAK-BEFORE: always"></DIV>

<P align ="left"><font size=2 face=Arial><A HREF="#toc"><B>Table of Contents</B></A></FONT></P>



<P style="TEXT-ALIGN: justify"><A NAME="Item6SelectedFinancialData41"></A><B><U><FONT size=2 face=Arial>Item 6. Selected Financial Data</FONT></U></B></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The following table sets forth our selected historical consolidated financial information for the periods and as of the dates indicated. We derived our balance sheet and income statement data for the years ended December 31, 2019, 2018, 2017, 2016 and 2015 from our audited consolidated financial statements. You should read this information together with &#8220;Management&#8217;s Discussion and Analysis of Financial Condition and Results of Operations&#8221; and our audited consolidated financial statements and the related notes thereto, which are included elsewhere in this Annual Report on Form 10-K.</FONT></P>

<DIV align=left>

<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom>

   <TD STYLE="width: 88%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD COLSPAN="11" STYLE="width: 11%; white-space: nowrap; text-align: center; border-top: Black 1.5pt solid">&nbsp;<B><FONT size=1 face=Arial></FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="88%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD COLSPAN="11" STYLE="width: 11%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid; text-align: right"><B><FONT size=1 face=Arial>Years Ended December 31,</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 88%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>(dollars in thousands, except per share data)</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2019</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2018</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2017</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2016</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2015</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 88%; text-align: left"><B><FONT size=1 face=Arial>BALANCE SHEET DATA</FONT></B></TD>

   <TD width="1%" noWrap align=left><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 88%; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Total assets</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2,267,195</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,900,614</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,624,625</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,340,908</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,217,293</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 88%; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Investment securities</FONT></TD>

   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>74,642</FONT></TD>

   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>79,026</FONT></TD>

   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>72,065</FONT></TD>

   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>70,222</FONT></TD>

   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>95,471</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 88%; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Loans (1)</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,943,525</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,677,332</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,387,070</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,163,644</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,004,944</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 88%; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Allowance for loan losses</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>16,642</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>15,762</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>15,523</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>14,855</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>13,629</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 88%; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Deposits</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,876,124</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,648,136</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,381,123</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,091,151</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>985,733</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 88%; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>FHLB advances and other borrowings</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>110,000</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>50,000</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>67,200</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>115,200</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>115,200</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 88%; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Subordinated debentures</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>35,890</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>13,403</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>13,403</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>13,403</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>13,403</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 88%; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Common equity</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>205,860</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>173,916</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>149,686</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>109,872</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>94,240</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 88%; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Preferred stock</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="border-bottom: Black 1pt solid; width: 88%; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Shareholders&#8217; equity</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>205,860</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>173,916</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>149,686</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>109,872</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>94,240</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 88%; text-align: left"><B><FONT size=1 face=Arial>SELECTED RESULTS OF OPERATIONS DATA</FONT></B></TD>

   <TD width="1%" noWrap align=left><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 88%; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Interest income</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>92,652</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>76,657</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>61,209</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>51,191</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>46,030</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="border-bottom: Black 1pt solid; width: 88%; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Interest expense</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>25,383</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>16,505</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>10,333</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>8,192</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>7,501</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 88%; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Net interest income</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>67,269</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>60,152</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>50,876</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>42,999</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>38,529</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="border-bottom: Black 1pt solid; width: 88%; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Provision for loan losses</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>2,300</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>1,900</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>2,000</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>2,300</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>3,200</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 88%; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Net interest income after provision for loan losses</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>64,969</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>58,252</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>48,876</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>40,699</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>35,329</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 88%; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Noninterest income</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>14,983</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>10,201</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>9,337</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>10,846</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>8,416</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="border-bottom: Black 1pt solid; width: 88%; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Noninterest expenses</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>44,473</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>39,763</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>34,552</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>31,176</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>28,209</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 88%; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Income before income tax expense</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>35,479</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>28,690</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>23,661</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>20,369</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>15,536</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="border-bottom: Black 1pt solid; width: 88%; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Income tax expense</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>7,621</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>6,401</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>10,616</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>7,333</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>5,369</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 88%; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Net income</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>27,858</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>22,289</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>13,045</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>13,036</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>10,167</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="border-bottom: Black 1pt solid; width: 88%; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Preferred stock dividends</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>-</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="border-bottom: Black 1pt solid; width: 88%; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Net income available to common shareholders</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>$</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>27,858</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>$</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>22,289</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>13,045</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>13,036</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>10,167</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 88%; text-align: left"><B><FONT size=1 face=Arial>PER COMMON SHARE DATA</FONT></B></TD>

   <TD width="1%" noWrap align=left><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 88%; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Basic</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>3.70</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>3.02</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1.86</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2.06</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1.64</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 88%; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Diluted</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>3.58</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2.88</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1.76</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1.94</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1.55</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 88%; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Book value</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>26.83</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>23.29</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>20.37</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>17.00</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>14.98</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 88%; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Weighted average number of common shares outstanding:</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 88%; text-align: left; padding-left: 30pt"><FONT size=1 face=Arial>Basic, in thousands</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>7,528</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>7,384</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>7,006</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>6,318</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>6,205</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="border-bottom: Black 1pt solid; width: 88%; text-align: left; padding-left: 30pt"><FONT size=1 face=Arial>Diluted, in thousands</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>7,773</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>7,737</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>7,393</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>6,721</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>6,561</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 88%; text-align: left"><B><FONT size=1 face=Arial>SELECTED FINANCIAL RATIOS</FONT></B></TD>

   <TD width="1%" noWrap align=left><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 88%; text-align: left"><B><FONT size=1 face=Arial>Performance Ratios:</FONT></B></TD>

   <TD width="1%" noWrap align=left><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 88%; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Return on average assets</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1.35%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1.27%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.87%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1.04%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.90%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 88%; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Return on average equity</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>14.72%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>13.83%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>9.66%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>12.73%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>11.42%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 88%; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Return on average common equity</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>14.72%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>13.83%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>9.66%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>12.73%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>11.42%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 88%; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Net interest margin, tax equivalent(2)</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>3.43%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>3.58%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>3.57%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>3.63%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>3.63%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 88%; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Efficiency ratio (3)</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>54.07%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>56.52%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>57.38%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>57.90%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>60.09%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 88%; text-align: left"><B><FONT size=1 face=Arial>Asset Quality Ratios:</FONT></B></TD>

   <TD width="1%" noWrap align=left><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 88%; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Nonperforming assets to total loans (1)</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.35%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.35%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.54%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.53%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.90%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 88%; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Nonperforming assets to total assets</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.30%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.31%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.46%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.46%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.75%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 88%; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Net charge-offs to average total loans</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.08%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.11%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.10%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.10%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.14%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 88%; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Allowance for loan losses to nonperforming loans</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>244.95%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>270.36%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>212.60%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>270.95%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>205.98%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 88%; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Allowance for loan losses to total loans</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.86%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.94%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1.12%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1.28%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1.36%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 88%; text-align: left"><B><FONT size=1 face=Arial>Holding Company Capital Ratios:</FONT></B></TD>

   <TD width="1%" noWrap align=left><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 88%; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Total risk-based capital ratio</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>13.73%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>12.49%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>13.27%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>12.11%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>11.95%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 88%; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Tier 1 risk-based capital ratio</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>11.63%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>11.53%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>12.11%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>10.86%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>10.70%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 88%; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Leverage ratio</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>10.10%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>10.14%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>10.26%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>9.42%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>8.78%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 88%; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Common equity tier 1 ratio(4)</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>10.94%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>10.73%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>11.15%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>9.71%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>9.40%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 88%; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Tangible common equity(5)</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>9.08%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>9.15%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>9.21%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>8.19%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>7.74%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 88%; text-align: left"><B><FONT size=1 face=Arial>Growth Ratios:</FONT></B></TD>

   <TD width="1%" noWrap align=left><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 88%; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Change in assets</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>19.29%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>16.99%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>21.16%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>10.15%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>18.20%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 88%; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Change in loans</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>15.87%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>20.93%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>19.20%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>15.79%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>15.32%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 88%; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Change in deposits</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>13.83%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>19.33%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>26.57%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>10.69%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>24.95%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 88%; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Change in net income to common shareholders</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>24.99%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>70.86%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.07%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>28.22%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>78.06%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="border-bottom: Black 1.5pt solid; padding-left: 15pt; width: 88%; text-align: left"><FONT size=1 face=Arial>Change in earnings per common share - diluted</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>24.31%</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>63.64%</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>-9.28%</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>25.16%</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>40.91%</FONT></TD></TR></TABLE></DIV>

<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>41</FONT></P>

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<TABLE style="LINE-HEIGHT: normal; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom>

   <TD width="100%" colSpan=2 noWrap align=left><U><FONT size=1 face=Arial>Footnotes to table:</FONT></U></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; padding-right: 8pt"><FONT size=1 face=Arial>(1)</FONT></TD>

   <TD width="99%" align=left><FONT size=1 face=Arial>Excludes loans held for sale.</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; padding-right: 8pt"><FONT size=1 face=Arial>(2)</FONT></TD>

   <TD width="99%" align=left><FONT size=1 face=Arial>The tax-equivalent adjustment to net interest income adjusts the yield for assets earning tax-exempt income to a comparable yield on a taxable basis.</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; padding-right: 8pt"><FONT size=1 face=Arial>(3)</FONT></TD>

   <TD width="99%" align=left><FONT size=1 face=Arial>Noninterest expense divided by the sum of net interest income and noninterest income.</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; padding-right: 8pt"><FONT size=1 face=Arial>(4)</FONT></TD>

   <TD width="99%" align=left><FONT size=1 face=Arial>The common equity tier 1 ratio is calculated as the sum of common equity divided by risk-weighted assets.</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; padding-right: 8pt"><FONT size=1 face=Arial>(5)</FONT></TD>

   <TD width="99%" align=left><FONT size=1 face=Arial>The common equity ratio is calculated as total equity less preferred stock divided by total assets.</FONT></TD></TR></TABLE>


<P style="TEXT-ALIGN: justify"><B><U><FONT size=2 face=Arial><A NAME="Item7ManagementsDiscussionandAnalysisofFinancialConditionandResultsofOperations42"></A>Item 7. Management&#8217;s Discussion and Analysis of Financial Condition and Results of Operations</FONT></U></B></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The following discussion and analysis identifies significant factors that have affected our financial position and operating results during the periods included in the accompanying financial statements. We encourage you to read this discussion and analysis in conjunction with the financial statements and the related notes and the other statistical information also included in this Annual Report on Form 10-K.</FONT></P>

<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>OVERVIEW</FONT></B></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Our business model continues to be client-focused, utilizing relationship teams to provide our clients with a specific banker contact and support team responsible for all of their banking needs. The purpose of this structure is to provide a consistent and superior level of professional service, and we believe it provides us with a distinct competitive advantage. We consider exceptional client service to be a critical part of our culture, which we refer to as "ClientFIRST."</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>At December 31, 2019, we had total assets of $2.27 billion, a 19.3% increase from total assets of $1.90 billion at December 31, 2018. The largest components of our total assets are loans which were $1.94 billion and $1.68 billion at December 31, 2019 and 2018, respectively. Our liabilities and shareholders&#8217; equity at December 31, 2019 totaled $2.06 billion and $205.9 million, respectively, compared to liabilities of $1.73 billion and shareholders&#8217; equity of $173.9 million at December 31, 2018. The principal component of our liabilities is deposits which were $1.88 billion and $1.65 billion at December 31, 2019 and 2018, respectively.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Like most community banks, we derive the majority of our income from interest received on our loans and investments. Our primary source of funds for making these loans and investments is our deposits, on which we pay interest. Consequently, one of the key measures of our success is our amount of net interest income, or the difference between the income on our interest-earning assets, such as loans and investments, and the expense on our interest-bearing liabilities, such as deposits and borrowings. Another key measure is the difference between the yield we earn on these interest-earning assets and the rate we pay on our interest-bearing liabilities, which is called our net interest spread. In addition to earning interest on our loans and investments, we earn income through fees and other charges to our clients.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Our net income available to common shareholders for the years ended December 31, 2019 and 2018 was $27.9 million and $22.3 million, or diluted earnings per share (&#8220;EPS&#8221;) of $3.58 and $2.88 for the years ended December 31, 2019 and 2018, respectively. The increase in net income resulted primarily from increases in net interest income and noninterest income, partially offset by an increase in noninterest expense. In addition, our net income available to shareholders was $13.0 million during the year ended December 31, 2017.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Economic conditions, competition, and the monetary and fiscal policies of the federal government significantly affect most financial institutions, including the Bank. Lending and deposit activities and fee income generation are influenced by levels of business spending and investment, consumer income, consumer spending and savings, capital market activities, and competition among financial institutions, as well as client preferences, interest rate conditions and prevailing market rates on competing products in our market areas.</FONT></P>

<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>CRITICAL ACCOUNTING POLICIES AND ESTIMATES</FONT></B></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>We have adopted various accounting policies that govern the application of accounting principles generally accepted in the U.S. and with general practices within the banking industry in the preparation of our financial statements. Our significant accounting policies are described in Note 1 to our Consolidated Financial Statements as of December 31, 2019.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Certain accounting policies inherently involve a greater reliance on the use of estimates, assumptions and judgments and, as such, have a greater possibility of producing results that could be materially different than originally reported, which could have a material impact on the carrying values of our assets and liabilities and our results of operations. We consider these accounting policies and estimates to be critical accounting policies. We have identified the determination of the allowance for loan losses, the fair valuation of financial instruments and income taxes to be the accounting areas that require the most subjective or complex judgments and, as such, could be most subject to revision as new or additional information becomes available or circumstances change, including overall changes in the economic climate and/or market interest rates. Therefore, management has reviewed and approved these critical accounting policies and estimates and has discussed these policies with the Company&#8217;s Audit Committee.</FONT></P>

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<P style="TEXT-ALIGN: justify"><B><I><FONT size=2 face=Arial>Allowance for Loan Losses</FONT></I></B></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The allowance for loan loss is management&#8217;s estimate of credit losses inherent in the loan portfolio. The allowance for loan losses is established as losses are estimated to have occurred through a provision for loan losses charged to earnings. Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. The allowance for loan losses is evaluated on a regular basis by management and is based upon management&#8217;s periodic review of the collectability of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower&#8217;s ability to repay, estimated value of any underlying collateral and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>We have an established process to determine the adequacy of the allowance for loan losses that assesses the losses inherent in our portfolio. While we attribute portions of the allowance to specific portfolio segments, the entire allowance is available to absorb credit losses inherent in the total loan portfolio. Our process involves procedures to appropriately consider the unique risk characteristics of our commercial and consumer loan portfolio segments. For each portfolio segment, impairment is measured individually for each impaired loan. Our allowance levels are influenced by loan volume, loan grade or delinquency status, historic loss experience and other economic conditions.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The allowance consists of general and specific components.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Commercial loans are assessed for estimated losses by grading each loan using various risk factors identified through periodic reviews. We apply historic grade-specific loss factors to each loan class. In the development of our statistically derived loan grade loss factors, we observe historical losses over 20 quarters for each loan grade. These loss estimates are adjusted as appropriate based on additional analysis of external loss data or other risks identified from current economic conditions and credit quality trends. For consumer loans, we determine the allowance on a collective basis utilizing historical losses over 20 quarters to represent our best estimate of inherent loss. We pool loans, generally by loan class with similar risk characteristics.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Included in the general component of the allowance for loan losses for both portfolio segments is a margin of imprecision inherent in the underlying assumptions used in the methodologies for estimating general losses in the portfolio. Uncertainties and subjective issues such as changes in the lending policies and procedures, changes in the local/national economy, changes in volume or type of credits, changes in volume/severity or problem loans, quality of loan review and board of director oversight, concentrations of credit, and peer group comparisons are qualitative and environmental factors considered.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The specific component relates to loans that are classified as impaired. For loans that are classified as impaired, an allowance is established when the value of the impaired loan is lower than the carrying value of that loan. A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Impairment is measured on a loan by loan basis for commercial and consumer loans by either the present value of expected future cash flows discounted at the loan&#8217;s effective interest rate, the loan&#8217;s obtainable market price, or the fair value of the collateral if the loan is collateral dependent. The specific component also includes an amount for the estimated impairment on commercial and consumer loans modified in a troubled debt restructuring (&#8220;TDR&#8221;), whether on accrual or nonaccrual status.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>While management uses available information to recognize losses on loans, future additions to the allowance may be necessary based on changes in local economic conditions. In addition, regulatory agencies, as an integral part of their examination process, periodically review our allowance for loan losses. Such agencies may require us to recognize additions to the allowances based on their judgments about information available to them at the time of their examination.</FONT></P>

<P style="TEXT-ALIGN: justify"><B><I><FONT size=2 face=Arial>Fair Valuation of Financial Instruments</FONT></I></B></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>We use fair value measurements to record fair value adjustments to certain financial instruments and to determine fair value disclosures. Additionally, we may be required to record other assets at fair value on a nonrecurring basis. These nonrecurring fair value adjustments typically involve application of lower-of-cost-or-market accounting or write-downs of individual assets. Further, we include in the Notes to the Consolidated Financial Statements information about the extent to which fair value is used to measure assets and liabilities, the valuation methodologies used, and the related impact to income. Additionally, for financial instruments not recorded at fair value, we disclose the estimate of their fair value.</FONT></P>

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<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Fair value is defined as the exchange price that would be received to sell an asset or paid to transfer the liability in an orderly transaction between market participants at the measurement date. Accounting standards establish a three-level hierarchy for disclosure of assets and liabilities recorded at fair value. The classification of assets and liabilities within the hierarchy is based on whether the inputs to the valuation methodology used for measurement are observable or unobservable. Observable inputs reflect market-derived or market-based information obtained from independent sources, while unobservable inputs reflect our estimates about market data. The three levels of inputs that are used to classify fair value measurements are as follows:</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" BORDER="0" STYLE="font: 10pt times new roman; border-collapse: collapse; text-align: justify; width: 100%">



<TR>

   <TD STYLE="padding-left: 15pt; padding-right: 8pt; vertical-align: top; width: 1%"><FONT style="FONT-SIZE: 9.5pt; COLOR: #000000">&#9679;</FONT></TD>

   <TD STYLE="vertical-align: top; width: 99%"><FONT style="COLOR: #000000" face=arial>Level 1 &#8212; Valuation is based upon quoted prices for identical instruments traded in active markets. Level 1 instruments generally include securities traded on active exchange markets, such as the New York Stock Exchange, as well as securities that are traded by dealers or brokers in active over-the-counter markets. </FONT><FONT size=2 face=Arial>Instruments we classify as Level 1 are instruments that have been priced directly from dealer trading desks and represent actual prices at which such securities have traded within active markets.</FONT></TD></TR>


<TR>

   <TD STYLE="padding-left: 15pt; padding-right: 8pt; vertical-align: top"><FONT style="FONT-SIZE: 9.5pt; COLOR: #000000">&#9679;</FONT></TD>

   <TD STYLE="vertical-align: top"><FONT style="COLOR: #000000" face=arial>Level 2 &#8212; Valuation is based upon quoted prices for similar instruments in active markets, quoted prices for identical or similar instruments in markets that are not active, and model-based valuation techniques, such as matrix pricing, for which all significant assumptions are observable in the market. Instruments we classify as Level 2 include securities that are valued based on pricing models that use relevant observable information generated by transactions that have occurred in the market place that involve similar securities.</FONT></TD></TR>


<TR>

   <TD STYLE="padding-left: 15pt; padding-right: 8pt; vertical-align: top"><FONT style="FONT-SIZE: 9.5pt; COLOR: #000000">&#9679;</FONT></TD>

   <TD STYLE="vertical-align: top"><FONT style="COLOR: #000000" face=arial>Level 3 &#8212; Valuation is generated from model-based techniques that use significant assumptions not observable in the market. These unobservable assumptions reflect the Company&#8217;s estimates of assumptions market participants would use in pricing the asset or liability. Valuation techniques include use of option pricing models, discounted cash flow models, and similar techniques.</FONT></TD></TR></TABLE>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>We attempt to maximize the use of observable inputs and minimize the use of unobservable inputs when developing fair value measurements. When available, we use quoted market prices to measure fair value. Specifically, we use independent pricing services to obtain fair values based on quoted prices. Quoted prices are subject to our internal price verification procedures. If market prices are not available, fair value measurement is based upon models that use primarily market-based or independently-sourced market parameters. Most of our financial instruments use either of the foregoing methodologies, collectively Level 1 and Level 2 measurements, to determine fair value adjustments recorded to our financial statements. However, in certain cases, when market observable inputs for model-based valuation techniques may not be readily available, we are required to make judgments about assumptions market participants would use in estimating the fair value of the financial instrument.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The degree of management judgment involved in determining the fair value of an instrument is dependent upon the availability of quoted market prices or observable market parameters. For instruments that trade actively and have quoted market prices or observable market parameters, there is minimal subjectivity involved in measuring fair value. When observable market prices and parameters are not fully available, management&#8217;s judgment is necessary to estimate fair value. In addition, changes in market conditions may reduce the availability of quoted prices or observable data. For example, reduced liquidity in the capital markets or changes in secondary market activities could result in observable market inputs becoming unavailable. When significant adjustments are required to available observable inputs, it may be appropriate to utilize an estimate based primarily on unobservable inputs. When an active market for a security does not exist, the use of management estimates that incorporate current market participant expectations of future cash flows, and include appropriate risk premiums, is acceptable.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Significant judgment may be required to determine whether certain assets measured at fair value are included in Level 2 or Level 3. If fair value measurement is based upon recent observable market activity of such assets or comparable assets (other than forced or distressed transactions) that occur in sufficient volume and do not require significant adjustment using unobservable inputs, those assets are classified as Level 2. If not, they are classified as Level 3. Making this assessment requires significant judgment.</FONT></P>

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<P style="TEXT-ALIGN: justify"><B><I><FONT size=2 face=Arial>Income Taxes</FONT></I></B></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The financial statements have been prepared on the accrual basis. When income and expenses are recognized in different periods for financial reporting purposes versus for the purposes of computing income taxes currently payable, deferred taxes are provided on such temporary differences. Deferred tax assets and liabilities are recognized for the expected future tax consequences of events that have been recognized in the consolidated financial statements or tax returns. Deferred tax assets and liabilities are measured using the enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be realized or settled. The Company believes that its income tax filing positions taken or expected to be taken on its tax returns will more likely than not be sustained upon audit by the taxing authorities and does not anticipate any adjustments that will result in a material adverse impact on the Company's financial condition, results of operations, or cash flow. Therefore, no reserves for uncertain income tax positions have been recorded.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>On December 22, 2017, the Tax Act was signed into law and includes numerous provisions that impact the Company, most notably a reduction in the corporate tax rate from the maximum rate of 35% to a flat rate of 21%. As a result, the Company recorded an incremental income tax expense of $2.4 million in the fourth quarter of 2017.</FONT></P>

<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>RESULTS OF OPERATIONS</FONT></B></P>

<P style="TEXT-ALIGN: justify"><I><FONT size=2 face=Arial>Net Interest Income and Margin</FONT></I></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Our level of net interest income is determined by the level of earning assets and the management of our net interest margin. For the years ended December 31, 2019, 2018, and 2017, our net interest income was $67.3 million, $60.2 million, and $50.9 million, respectively. The $7.1 million, or 11.8%, increase in net interest income during 2019, compared to 2018, was driven by a $281.1 million increase in average earning assets, partially offset by a $190.4 million increase in our average interest-bearing liabilities. The increase in average earning assets was primarily related to an increase in average loans, while the increase in average interest-bearing liabilities was primarily driven by an increase in interest-bearing deposits. During 2018, our net interest income increased $9.3 million, or 18.2%, compared to 2017, while average interest-earning assets increased $251.2 million and average interest-bearing liabilities increased by $181.2 million.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Interest income for the years ended December 31, 2019, 2018, and 2017 was $92.7 million, $76.7 million, and $61.2 million, respectively. A significant portion of our interest income relates to our strategy to maintain a large portion of our assets in higher earning loans compared to lower yielding investments and federal funds sold. As such, 96.0% of our interest income related to interest on loans during 2019, compared to 96.2% during 2018 and 96.1% during 2017. Also, included in interest income on loans was $1.2 million, $1.1 million and $950,000 related to the net amortization of loan fees and capitalized loan origination costs for the years ended December 31, 2019, 2018 and 2017, respectively.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Interest expense was $25.4 million, $16.5 million, and $10.3 million for the years ended December 31, 2019, 2018, and 2017, respectively. Interest expense on deposits for 2019 represented 93.5% of total interest expense, compared to 89.9% for 2018, and 71.4% for 2017, while interest expense on borrowings represented 6.5% of total interest expense for 2019, compared to 10.1% for 2018, and 28.6% for 2017. The increase in interest expense on deposits during 2019 occurred as a result of a $228.0 million increase in our deposit balances, which assisted in pre-paying $25.0 million of FHLB advances, as well as an increase in rates paid on our deposits.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>We have included a number of tables to assist in our description of various measures of our financial performance. For example, the &#8220;Average Balances, Income and Expenses, Yields and Rates&#8221; table shows the average balance of each category of our assets and liabilities as well as the yield we earned or the rate we paid with respect to each category during 2019, 2018, and 2017. Similarly, the &#8220;Rate/Volume Analysis&#8221; table demonstrates the effect of changing interest rates and changing volume of assets and liabilities on our financial condition during the periods shown. We also track the sensitivity of our various categories of assets and liabilities to changes in interest rates, and we have included tables to illustrate our interest rate sensitivity with respect to interest-earning and interest-bearing accounts.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The following table sets forth information related to our average balance sheet, average yields on assets, and average costs of liabilities at December 31, 2019, 2018 and 2017. We derived these yields or costs by dividing income or expense by the average balance of the corresponding assets or liabilities. We derived average balances from the daily balances throughout the periods indicated. During the same periods, we had no securities purchased with agreements to resell. All investments were owned at an original maturity of over one year. Nonaccrual loans are included in earning assets in the following tables. Loan yields have been reduced to reflect the negative impact on our earnings of loans on nonaccrual status. The net of capitalized loan costs and fees are amortized into interest income on loans.</FONT></P>

<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>45</FONT></P>

<HR align=center width="100%" noShade size="2">



<DIV style="PAGE-BREAK-BEFORE: always"></DIV>

<P align ="left"><font size=2 face=Arial><A HREF="#toc"><B>Table of Contents</B></A></FONT></P>



<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>Average Balances, Income and Expenses, Yields and Rates</FONT></B></P>

<TABLE style="LINE-HEIGHT: 13pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom>

   <TD STYLE="width: 73%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-top: Black 1.5pt solid"></TD>

   <TD COLSPAN="10" STYLE="width: 10%; white-space: nowrap; text-align: right; border-top: Black 1.5pt solid">&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD width="73%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD COLSPAN="25" STYLE="width: 25%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>For the Year Ended December 31,</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="73%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>



   <TD COLSPAN="8" STYLE="width: 8%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2019</FONT></B></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD COLSPAN="8" STYLE="width: 8%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2018</FONT></B></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD COLSPAN="8" STYLE="width: 8%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2017</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="73%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Average</FONT></B></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Income/</FONT></B></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Yield/</FONT></B></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Average</FONT></B></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Income/</FONT></B></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Yield/</FONT></B></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Average</FONT></B></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Income/</FONT></B></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Yield/</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 73%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Balance</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD COLSPAN="2" STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Expense</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Rate</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Balance</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Expense</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Rate</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Balance</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Expense</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Rate</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="73%" noWrap align=left><B><FONT size=1 face=Arial>Interest-earning assets</FONT></B></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 73%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Federal funds sold</FONT></TD>

   <TD width="1%" noWrap align=left>&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>71,797</FONT></TD>

   <TD width="1%" noWrap align=right>&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,622</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left>&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2.26%</FONT></TD>

   <TD width="1%" noWrap align=right>&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>61,811</FONT></TD>

   <TD width="1%" noWrap align=right>&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,138</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left>&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1.84%</FONT></TD>

   <TD width="1%" noWrap align=left>&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>66,924</FONT></TD>

   <TD width="1%" noWrap align=right>&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>784</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left>&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1.17%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 73%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Investment securities, taxable</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>72,137</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,961</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2.72%</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>64,426</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,623</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2.52%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>57,008</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,150</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2.02%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 73%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Investment securities, nontaxable (1)</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>7,376</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>182</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2.46%</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>5,886</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>231</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>3.93%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>19,331</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>753</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>3.90%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="border-bottom: Black 1pt solid; width: 73%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Loans (2)</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>1,813,259</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>88,929</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>4.90%</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>1,551,354</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>73,718</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>4.75%</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>1,289,033</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>58,808</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>4.56%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 73%; white-space: nowrap; text-align: left; padding-left: 30pt"><FONT size=1 face=Arial>Total earning assets</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,964,569</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>92,694</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>4.72%</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,683,477</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>76,710</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>4.56%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,432,296</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>61,495</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>4.29%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="border-bottom: Black 1pt solid; width: 73%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Nonearning assets</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>101,647</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>77,127</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>71,352</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="border-bottom: Black 1.5pt solid; width: 73%; white-space: nowrap; text-align: left; padding-left: 30pt"><FONT size=1 face=Arial>Total assets</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>$</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>2,066,216</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>$</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>1,760,604</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>$</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>1,503,648</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="73%" noWrap align=left><B><FONT size=1 face=Arial>Interest-bearing liabilities</FONT></B></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 73%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>NOW accounts</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>205,513</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>555</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.27%</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>235,623</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>401</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.17%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>218,355</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>391</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.18%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 73%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Savings &amp; money market</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>864,708</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>15,086</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1.74%</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>669,306</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>8,766</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1.31%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>479,012</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>3,744</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.78%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="border-bottom: Black 1pt solid; width: 73%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Time deposits</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>363,431</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>8,089</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2.23%</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>332,201</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>5,669</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1.71%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>309,546</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>3,238</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1.05%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 73%; white-space: nowrap; text-align: left; padding-left: 30pt"><FONT size=1 face=Arial>Total interest-bearing deposits</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,433,652</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>23,730</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1.66%</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,237,130</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>14,836</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1.20%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,006,913</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>7,373</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.73%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 73%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>FHLB advances and other borrowings</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>21,914</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>736</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>3.36%</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>33,781</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,089</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>3.22%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>82,810</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2,510</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>3.03%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="border-bottom: Black 1pt solid; width: 73%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Subordinated debt</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>19,133</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>917</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>4.79%</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>13,403</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>580</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>4.33%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>13,403</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>450</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>3.36%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 73%; white-space: nowrap; text-align: left; padding-left: 30pt"><FONT size=1 face=Arial>Total interest-bearing liabilities</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,474,699</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>25,383</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1.72%</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,284,314</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>16,505</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1.29%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,103,126</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>10,333</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.94%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 73%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Noninterest-bearing liabilities</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>402,216</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>315,118</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>265,498</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="border-bottom: Black 1pt solid; width: 73%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Shareholders&#8217; equity</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>189,301</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>161,172</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>135,024</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="border-bottom: Black 1.5pt solid; width: 73%; white-space: nowrap; text-align: left; padding-left: 30pt"><FONT size=1 face=Arial>Total liabilities and shareholders&#8217; equity</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>$</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>2,066,216</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>$</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>1,760,604</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>$</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>1,503,648</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="73%" noWrap align=left><FONT size=1 face=Arial>Net interest spread</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>3.00%</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>3.27%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>3.35%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="73%" noWrap align=left><FONT size=1 face=Arial>Net interest income(tax equivalent)/margin</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>67,311</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>3.43%</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>60,205</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>3.58%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>51,162</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>3.57%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="border-bottom: Black 1pt solid; width: 73%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Less: tax-equivalent adjustment (1)</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>(42</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>)</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>(53</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>)</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>(286</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>)</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 73%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>Net interest income</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>$</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>67,269</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>$</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>60,152</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>$</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>50,876</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD></TR></TABLE><BR>

<TABLE style="LINE-HEIGHT: normal" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; width: 1%; text-align: left; padding-right: 8pt"><FONT size=1 face=Arial>(1)</FONT></TD>

   <TD vAlign=top width="99%" align=left><FONT size=1 face=Arial>The tax-equivalent adjustment to net interest income adjusts the yield for assets earning tax-exempt income to a comparable yield on a taxable basis.</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; width: 1%; text-align: left; padding-right: 8pt"><FONT size=1 face=Arial>(2)</FONT></TD>

   <TD vAlign=top width="99%" align=left><FONT size=1 face=Arial>Includes loans held for sale.</FONT></TD></TR></TABLE>


<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Our net interest margin, on a tax-equivalent basis (TE), was 3.43%, 3.58% and 3.57% for the years ended December 31, 2019, 2018 and 2017, respectively. Our net interest margin (TE) decreased 15 basis points in 2019, compared to 2018, as the cost of our interest-bearing liabilities increased by 43 basis points, while the yield on our interest-earning assets increased by 16 basis points. During 2018, our net interest margin increased one basis point, compared to 2017, due to a 27 basis point increase in yield on our interest-earning assets. In addition, the cost of our interest-bearing liabilities increased 35 basis points during 2018, compared to 2017, due primarily to an increase in the cost of our deposits, primarily money market and time deposits.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Our average interest-earning assets increased by $281.1 million during the year ended December 31, 2019, compared to 2018, while the related yield on our interest-earning assets increased by 16 basis points. The increase in average interest-earning assets was driven primarily by a $261.9 million increase in average loan balances during 2019, compared to 2018. In addition, our loan yield increased by 15 basis points during 2019. During the year ended December 31, 2018, our average interest-earning assets increased by $251.2 million, compared to 2017, while the yield on our interest-earning assets increased by 27 basis points. The increase in average interest-earning assets was driven primarily by a $262.3 million increase in average loan balances during 2018, compared to 2017. In addition, our loan yield increased 19 basis points during 2018.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Our average interest-bearing liabilities increased by $190.4 million during 2019, compared to 2018, while the cost of our interest-bearing liabilities increased by 43 basis points. The increase in average interest-bearing liabilities was driven primarily by a $196.5 million increase in average interest-bearing deposits during the 2019 period. In addition, the cost of our interest-bearing deposits increased 46 basis points when compared to the prior year. During 2018, our average interest-bearing liabilities increased by $181.2 million, compared to 2017, while the cost of our interest-bearing liabilities increased by 35 basis points during the 2018 period.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Our net interest spread was 3.00% for the year ended December 31, 2019, compared to 3.27% for the same period in 2018 and 3.35% for 2017. The net interest spread is the difference between the yield we earn on our interest-earning assets and the rate we pay on our interest-bearing liabilities. The 16 basis point increase in yield on our interest-earning assets and the 43 basis point increase in the cost of our interest-bearing liabilities, resulted in a 27 basis point decrease in our net interest spread for the 2019 period. We anticipate continued pressure on our net interest spread and net interest margin in future periods based on the downward repricing of our assets and liabilities as well as a competitive rate environment.</FONT></P>

<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>46</FONT></P>

<HR align=center width="100%" noShade size="2">



<DIV style="PAGE-BREAK-BEFORE: always"></DIV>

<P align ="left"><font size=2 face=Arial><A HREF="#toc"><B>Table of Contents</B></A></FONT></P>


<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>Rate/Volume Analysis</FONT></B></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Net interest income can be analyzed in terms of the impact of changing interest rates and changing volume. The following tables set forth the effect which the varying levels of interest-earning assets and interest-bearing liabilities and the applicable rates have had on changes in net interest income for the periods presented.</FONT></P>

<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom>

   <TD STYLE="width: 75%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD COLSPAN="23" STYLE="width: 23%; white-space: nowrap; text-align: right; border-top: Black 1.5pt solid">&nbsp;</TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD></TR>

<TR vAlign=bottom>

   <TD width="75%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD COLSPAN="23" STYLE="width: 23%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Years Ended</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD></TR>

<TR vAlign=bottom>

   <TD width="75%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD COLSPAN="11" STYLE="width: 11%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>December 31, 2019 vs. 2018</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD width="1%" noWrap align=left></TD>



   <TD COLSPAN="10" STYLE="width: 10%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>December 31, 2018 vs. 2017</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD></TR>

<TR vAlign=bottom>

   <TD width="75%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD COLSPAN="11" STYLE="width: 11%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Increase (Decrease) Due to Change in</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD COLSPAN="10" STYLE="width: 10%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Increase (Decrease) Due to Change in</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD></TR>

<TR vAlign=bottom>

   <TD width="75%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial>Rate/</FONT></B></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial>Rate/</FONT></B></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 75%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Volume</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Rate</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Volume</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Total</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Volume</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Rate</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Volume</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Total</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="75%" noWrap align=left><FONT size=2 face=Arial>Interest income</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 75%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Loans</FONT></TD>

   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>12,445</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>2,366</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>400</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>15,211</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>11,968</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>2,445</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>497</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>14,910</FONT></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 75%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Investment securities</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>236</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>57</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>7</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>300</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>(128</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>338</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>(26</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>184</FONT></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="border-bottom: Black 1pt solid; width: 75%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Federal funds sold</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>184</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>258</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>42</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>484</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>(60</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>)</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>448</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>(34</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>)</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>354</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="border-bottom: Black 1pt solid; width: 75%; white-space: nowrap; text-align: left; padding-left: 30pt"><FONT size=2 face=Arial>Total interest income</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>12,865</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>2,681</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>449</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>15,995</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>11,780</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>3,231</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>437</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>15,448</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="75%" noWrap align=left><FONT size=2 face=Arial>Interest expense</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 75%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Deposits</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>2,565</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>5,396</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>933</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>8,894</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,536</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>4,905</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,022</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>7,463</FONT></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 75%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>FHLB advances and other borrowings</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>(383</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>46</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>(16</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>(353</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>(1,332</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>(189</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>100</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>(1,421</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="border-bottom: Black 1pt solid; width: 75%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Subordinated debt</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>248</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>62</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>27</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>337</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>130</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>130</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="border-bottom: Black 1pt solid; width: 75%; white-space: nowrap; text-align: left; padding-left: 30pt"><FONT size=2 face=Arial>Total interest expense</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>2,430</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>5,504</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>944</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>8,878</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>204</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>4,846</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1,122</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>6,172</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 75%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>Net interest income</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>10,435</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>(2,823</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>)</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>(495</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>)</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>7,117</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>11,576</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>(1,615</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>)</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>(685</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>)</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>9,276</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD></TR></TABLE>


<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Net interest income, the largest component of our income, was $67.3 million for the year ended December 31, 2019, a $7.1 million increase from net interest income of $60.2 million for the year ended December 31, 2018. The increase in net interest income is due to a $16.0 million increase in interest income partially offset by an $8.9 million increase in interest expense. During 2019, our average interest-earning assets increased $281.1 million as compared to 2018, resulting in $12.9 million of additional interest income, while higher rates on our interest-earning assets also increased interest income by $2.7 million from the prior year. Overall, our average interest-bearing liabilities increased by $190.4 million during 2019 resulting in $2.4 million of additional interest expense. In addition, higher rates on our interest-bearing deposits, subordinated debt, and FHLB advances and other borrowings resulted in an increase of $5.5 million of additional interest expense from the prior year.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>During 2018, our average interest-earning assets increased $251.2 million as compared to 2017, resulting in $11.8 million of additional interest income while higher rates on our interest-earning assets also increased interest income by $3.2 million from the prior year. In addition, our average interest-bearing deposits increased by $230.2 million while our average FHLB advances and other borrowings decreased by $49.0 million. While the growth in interest-bearing deposits resulted in additional interest expense, the reduction in FHLB advances and other borrowings reduced our interest expense, resulting in a net decrease in interest expense of $204,000. However, higher rates on our interest-bearing deposits and junior subordinated debt, partially offset by lower rates on FHLB advances and other borrowings, resulted in an increase in interest expense of $4.8 million from the prior year.</FONT></P>

<P style="TEXT-ALIGN: justify"><I><FONT size=2 face=Arial>Provision for Loan Losses</FONT></I></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>We have established an allowance for loan losses through a provision for loan losses charged as an expense on our statements of income. We review our loan portfolio periodically to evaluate our outstanding loans and to measure both the performance of the portfolio and the adequacy of the allowance for loan losses. Please see the discussion below under &#8220;Results of Operations &#8211; Allowance for Loan Losses&#8221; for a description of the factors we consider in determining the amount of the provision we expense each period to maintain this allowance.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Following is a summary of the activity in the allowance for loan losses.</FONT></P>

<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom>

   <TD STYLE="width: 90%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD COLSPAN="8" STYLE="width: 8%; white-space: nowrap; text-align: right; border-top: Black 1.5pt solid">&nbsp;</TD>

   <TD STYLE="border-top: Black 1.5pt solid; border-right-style: none; border-right-width: medium; border-bottom-style: none; border-bottom-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></TD></TR>

<TR vAlign=bottom>

   <TD width="90%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD COLSPAN="8" STYLE="width: 8%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>December 31,</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 90%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2019</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2018</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2017</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="90%" noWrap align=left><B><FONT size=2 face=Arial>Balance, beginning of period</FONT></B></TD>

   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>15,762</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>15,523</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>14,855</FONT></TD>

   <TD  width="1%" noWrap align=right></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="90%" noWrap align=left><FONT size=2 face=Arial>Provision</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>2,300</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,900</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>2,000</FONT></TD>

   <TD  width="1%" noWrap align=right></TD></TR>



<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="90%" noWrap align=left><FONT size=2 face=Arial>Loan charge-offs</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>(1,515</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>(2,146</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>(1,638</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 90%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Loan recoveries</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>95</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>485</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>306</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 90%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Net loan charge-offs</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>(1,420</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>)</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>(1,661</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>)</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>(1,332</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>)</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 90%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><B><FONT size=2 face=Arial>Balance, end of period</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>16,642</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>15,762</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>15,523</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD></TR></TABLE>

<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>47</FONT></P>

<HR align=center width="100%" noShade size="2">



<DIV style="PAGE-BREAK-BEFORE: always"></DIV>

<P align ="left"><font size=2 face=Arial><A HREF="#toc"><B>Table of Contents</B></A></FONT></P>






<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>For the year ended December 31, 2019, we incurred a noncash expense related to the provision for loan losses of $2.3 million, bringing the allowance for loan losses to $16.6 million, or 0.86% of gross loans. In comparison, we added $1.9 million and $2.0 million to the provision for loan losses during the years ended December 31, 2018 and 2017, respectively, resulting in an allowance for loan losses of $15.8 million, or 0.94% of gross loans, as of December 31, 2018, and an allowance for loan losses of $15.5 million, or 1.12% of gross loans, as of December 31, 2017</FONT><B><FONT size=2 face=Arial>. </FONT></B><FONT size=2 face=Arial>The increase in provision expense of $2.3 million during 2019 primarily relates to the $266.2 million of loan growth in 2019.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>During the year ended December 31, 2019, our net charge-offs were $1.4 million, representing 0.08% of average loans, and consisted of $1.5 million in loans charged-off, partially offset by $95,000 of recoveries on loans previously charged-off. In addition, nonperforming assets decreased to 0.30% of total assets while our level of classified assets declined to 7.9% at December 31, 2019. Factors such as these are also considered in determining the amount of our loan loss provision necessary to maintain our allowance for loan losses at an adequate level. The continued improvement in these credit quality factors is the primary driver of the reduction in the allowance for loan losses as a percentage of our gross loans.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>We reported net charge-offs of $1.7 million and $1.3 million for the years ended December 31, 2018 and 2017, respectively, including recoveries of $485,000 and $306,000 in 2018 and 2017, respectively. The net charge-offs of $1.7 million and $1.3 million during 2018 and 2017, respectively, represented 0.11% and 0.10% of the average outstanding loan portfolios for 2018 and 2017, respectively.</FONT></P>

<P style="TEXT-ALIGN: justify"><I><FONT size=2 face=Arial>Noninterest Income</FONT></I></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The following table sets forth information related to our noninterest income.</FONT></P>

<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom>

   <TD COLSPAN="9" STYLE="width: 100%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid">&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD width="92%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD COLSPAN="7" STYLE="width: 7%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Year ended December 31,</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 92%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2019</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2018</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2017</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="92%" noWrap align=left><FONT size=2 face=Arial>Mortgage banking income</FONT></TD>

   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>9,923</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>5,544</FONT></TD>

   <TD width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>5,152</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="92%" noWrap align=left><FONT size=2 face=Arial>Service fees on deposit accounts</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,061</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,040</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,168</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="92%" noWrap align=left><FONT size=2 face=Arial>ATM and debit card income</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,728</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,490</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,172</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="92%" noWrap align=left><FONT size=2 face=Arial>Income from bank owned life insurance</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,001</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>878</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>811</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="92%" noWrap align=left><FONT size=2 face=Arial>Gain on sale of investment securities</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>727</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>7</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>4</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="92%" noWrap align=left><FONT size=2 face=Arial>Loss on extinguishment of debt</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>(1,496</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 92%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Other income</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>2,039</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1,242</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1,030</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="padding-left: 15pt; width: 92%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>Total noninterest income</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>14,983</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>10,201</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>9,337</FONT></TD></TR></TABLE>


<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Noninterest income was $15.0 million for the year ended December 31, 2019, a $4.8 million, or 46.9%, increase compared to noninterest income of $10.2 million for the year ended December 31, 2018. The increase in noninterest income during 2019, compared to 2018, resulted primarily from the following:</FONT></P>

<TABLE style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; BORDER-COLLAPSE: collapse; TEXT-ALIGN: left" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR>

   <TD style="PADDING-LEFT: 15pt; PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt; COLOR: #000000">&#9679;</FONT></TD>

   <TD VALIGN="TOP" WIDTH="99%" STYLE="text-align: justify"><FONT style="COLOR: #000000" face=arial>Mortgage banking income increased $4.4 million, or 79.0%, driven by higher mortgage origination volume during 2019 due in part to the favorable interest rate environment for mortgage loans.</FONT></TD></TR>

<TR>

   <TD style="PADDING-LEFT: 15pt; PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt; COLOR: #000000">&#9679;</FONT></TD>

   <TD VALIGN="TOP" WIDTH="99%" STYLE="text-align: justify"><FONT style="COLOR: #000000" face=arial>ATM and debit card income increased $238,000, or 16.0%, driven by higher transaction volume when compared to 2018.</FONT></TD></TR>

<TR>

   <TD style="PADDING-LEFT: 15pt; PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt; COLOR: #000000">&#9679;</FONT></TD>

   <TD VALIGN="TOP" WIDTH="99%" STYLE="text-align: justify"><FONT style="COLOR: #000000" face=arial>Gain on sale of investment securities increased $720,000 primarily due to the sale of investments during the fourth quarter. See paragraph immediately below.</FONT></TD></TR>

<TR>

   <TD style="PADDING-LEFT: 15pt; PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt; COLOR: #000000">&#9679;</FONT></TD>

   <TD VALIGN="TOP" WIDTH="99%" STYLE="text-align: justify"><FONT style="COLOR: #000000" face=arial>Loss on extinguishment of debt resulted from the prepayment penalty related to the paydown of FHLB advances. See paragraph immediately below.</FONT></TD></TR>

<TR>

   <TD style="PADDING-LEFT: 15pt; PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt; COLOR: #000000">&#9679;</FONT></TD>

   <TD VALIGN="TOP" WIDTH="99%" STYLE="text-align: justify"><FONT style="COLOR: #000000" face=arial>Other income increased by $797,000, or 64.2%, due primarily to the sale of our Health Savings Account (&#8220;HSA&#8221;) deposit accounts during the fourth quarter. See paragraph immediately below.</FONT></TD></TR></TABLE>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>During the fourth quarter of 2019, the Company sold its Health Savings Account (&#8220;HSA&#8221;) deposit accounts, which totaled $6.2 million, to a nationwide HSA servicer and recognized a gain of approximately $745,000 from the sale. Also during the fourth quarter, the Company sold $29.5 million of investment securities from its existing investment portfolio, recognizing a gain of approximately $720,000 and paid off $25.0 million of FHLB advances that resulted in a prepayment penalty of $1.5 million.</FONT></P>

<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>48</FONT></P>

<HR align=center width="100%" noShade size="2">



<DIV style="PAGE-BREAK-BEFORE: always"></DIV>
<!-- Part 09 -->


<p align="left"><font face="Arial" size=2><a href="#toc"><b>Table of Contents</b></a></font></p>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Noninterest income was $10.2 million for the year ended December 31, 2018, a $864,000, or 9.3%, increase compared to noninterest income of $9.3 million for the year ended December 31, 2017. The increase in noninterest income during 2018, compared to 2017 resulted primarily from the following:</FONT></P>
<TABLE style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; BORDER-COLLAPSE: collapse; TEXT-ALIGN: justify" cellSpacing=0 cellPadding=0 width="100%" border=0>

<TR>
   <TD style="PADDING-LEFT: 15pt; PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
   <TD vAlign=top width="99%"><FONT size=2 face=Arial>Mortgage banking income increased $392,000, or 7.6%, driven by higher origination volume during 2018 due primarily to an increase in mortgage originators across all of our markets.</FONT></TD></TR>
<TR>
   <TD style="PADDING-LEFT: 15pt; PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
   <TD vAlign=top width="99%"><FONT size=2 face=Arial>ATM and debit card income increased $318,000, or 27.1%, driven by higher transaction volume when compared to 2017.</FONT></TD></TR>
<TR>
   <TD style="PADDING-LEFT: 15pt; PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
   <TD vAlign=top width="99%"><FONT size=2 face=Arial>Other income increased by $212,000, or 20.6%, due primarily to an increase in wire fees, which is driven primarily by an increase in transaction volume, as well as increased loan fee income, which includes late fees, appraisal review fees, and line of credit fees.</FONT></TD></TR></TABLE>
<P style="TEXT-ALIGN: justify"><I><FONT size=2 face=Arial>Noninterest Expenses</FONT></I></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The following table sets forth information related to our noninterest expenses.</FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>

<TR vAlign=bottom>
   <TD style="BORDER-TOP: #000000 1.5pt solid" width="93%" noWrap align=left>&nbsp;</TD>
   <TD style="BORDER-TOP: #000000 1.5pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: #000000 1.5pt solid" width="6%" colSpan=6 noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD style="WIDTH: 93%" noWrap align=left></TD>
   <TD style="WIDTH: 1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="6%" colSpan=6 noWrap align=right><B><FONT size=1 face=Arial>Years ended December 31,</FONT></B></TD></TR>

<TR vAlign=bottom>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="93%" noWrap align=left><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>2019</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial>2018</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial>2017</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="93%" noWrap align=left><FONT size=2 face=Arial>Compensation and benefits</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>$</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>29,025</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>25,561</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>21,791</FONT></TD></TR>
<TR vAlign=bottom>
   <TD style="WIDTH: 93%" noWrap align=left><FONT size=2 face=Arial>Occupancy</FONT></TD>
   <TD style="WIDTH: 1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="WIDTH: 1%" noWrap align=right></TD>
   <TD style="WIDTH: 1%" noWrap align=right><FONT size=2 face=Arial>5,527</FONT></TD>
   <TD style="WIDTH: 1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="WIDTH: 1%" noWrap align=right><FONT size=2 face=Arial>5,049</FONT></TD>
   <TD style="WIDTH: 1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="WIDTH: 1%" noWrap align=right><FONT size=2 face=Arial>4,121</FONT></TD></TR>
<TR vAlign=bottom>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="93%" noWrap align=left><FONT size=2 face=Arial>Outside service and data processing costs</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>4,187</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>3,302</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>3,158</FONT></TD></TR>
<TR vAlign=bottom>
   <TD style="WIDTH: 93%" noWrap align=left><FONT size=2 face=Arial>Insurance</FONT></TD>
   <TD style="WIDTH: 1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="WIDTH: 1%" noWrap align=right></TD>
   <TD style="WIDTH: 1%" noWrap align=right><FONT size=2 face=Arial>813</FONT></TD>
   <TD style="WIDTH: 1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="WIDTH: 1%" noWrap align=right><FONT size=2 face=Arial>1,284</FONT></TD>
   <TD style="WIDTH: 1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="WIDTH: 1%" noWrap align=right><FONT size=2 face=Arial>1,146</FONT></TD></TR>
<TR vAlign=bottom>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="93%" noWrap align=left><FONT size=2 face=Arial>Professional fees</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>1,699</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>1,574</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>1,362</FONT></TD></TR>
<TR vAlign=bottom>
   <TD style="WIDTH: 93%" noWrap align=left><FONT size=2 face=Arial>Marketing</FONT></TD>
   <TD style="WIDTH: 1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="WIDTH: 1%" noWrap align=right></TD>
   <TD style="WIDTH: 1%" noWrap align=right><FONT size=2 face=Arial>941</FONT></TD>
   <TD style="WIDTH: 1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="WIDTH: 1%" noWrap align=right><FONT size=2 face=Arial>856</FONT></TD>
   <TD style="WIDTH: 1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="WIDTH: 1%" noWrap align=right><FONT size=2 face=Arial>737</FONT></TD></TR>
<TR vAlign=bottom>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="93%" noWrap align=left><FONT size=2 face=Arial>Other</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>2,281</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>2,137</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>2,237</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 15pt; border-bottom: #000000 1.5pt solid; width: 93%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Total noninterest expenses</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>$</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>44,473</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>39,763</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>34,552</FONT></TD></TR></TABLE>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Noninterest expenses were $44.5 million for the year ended December 31, 2019, a $4.7 million, or 11.8%, increase from noninterest expense of $39.8 million for 2018.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The increase in total noninterest expenses during 2019, compared to 2018, resulted primarily from the following:</FONT></P>
<TABLE style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; BORDER-COLLAPSE: collapse; TEXT-ALIGN: justify" cellSpacing=0 cellPadding=0 width="100%" border=0>

<TR>
   <TD style="PADDING-LEFT: 15pt; PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
   <TD vAlign=top width="99%"><FONT size=2 face=Arial>Compensation and benefits expense increased $3.5 million, or 13.6%, during 2019 relating primarily to an increase in base compensation, partially offset by a decrease in benefits expense. Base compensation expense increased by $4.1 million driven by the addition of 14 new employees - of which 12 were hired to support our new offices in Georgia, North Carolina, and South Carolina. Benefits expense, which includes insurance and 401k expenses, decreased by $485,000 primarily due to lower group insurance costs related to lower claims expense in 2019.</FONT></TD></TR>
<TR>
   <TD style="PADDING-LEFT: 15pt; PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
   <TD vAlign=top width="99%"><FONT size=2 face=Arial>Occupancy expenses increased $478,000, or 9.5%, driven by increased rent expense primarily due to two new offices in Summerville, South Carolina and Greensboro, North Carolina as well as additional depreciation, insurance, property taxes and maintenance expenses related to all of our owned properties.</FONT></TD></TR>
<TR>
   <TD style="PADDING-LEFT: 15pt; PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
   <TD vAlign=top width="99%"><FONT size=2 face=Arial>Outside service and data processing costs increased $885,000, or 26.8%, primarily due to increased electronic banking and software licensing costs.</FONT></TD></TR></TABLE>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Partially offsetting these increases in noninterest expenses during 2019 was a $471,000 decrease in insurance expenses which was driven by a reduction in FDIC premiums in the fourth quarter.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Noninterest expense was $39.8 million for the year ended December 31, 2018, a $5.2 million, or 15.1%, increase from noninterest expense of $34.6 million for 2017.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The increase in total noninterest expenses during 2018, compared to 2017, resulted primarily from the following:</FONT></P>
<TABLE style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; BORDER-COLLAPSE: collapse; TEXT-ALIGN: justify" cellSpacing=0 cellPadding=0 width="100%" border=0>

<TR>
   <TD style="PADDING-LEFT: 15pt; PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
   <TD vAlign=top width="99%"><FONT size=2 face=Arial>Compensation and benefits expense increased $3.8 million, or 17.3%, during 2018 relating primarily to increases in base and incentive compensation as well as benefits expense. Base compensation expense increased by $2.6 million driven by the addition of 30 new employees - of which six were hired for our new offices in the Triad region of North Carolina and Summerville, South Carolina; six were hired to add additional support to our Atlanta team; and the remainder were hired to support loan and deposit growth, mortgage operations and general corporate needs. Benefits expense, which includes insurance and 401k expenses, increased by $784,000. Incentive compensation, which is based on certain targeted financial performance goals met by management, increased by $466,000.</FONT></TD></TR></TABLE>
<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>49</FONT></P>
<HR align=center SIZE=2 width="100%" noShade>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV>
<p align="left"><font face="Arial" size=2><a href="#toc"><b>Table of Contents</b></a></font></p>

<TABLE style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; TEXT-ALIGN: justify" cellSpacing=0 cellPadding=0 width="100%" border=0>

<TR>
   <TD style="PADDING-LEFT: 15pt; PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
   <TD vAlign=top width="99%"><FONT size=2 face=Arial>Occupancy expenses increased $928,000, or 22.5%, driven by increased rent expense as well as additional depreciation, insurance, property taxes and maintenance expenses related to all of our owned properties.</FONT></TD></TR>
<TR>
   <TD style="PADDING-LEFT: 15pt; PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
   <TD vAlign=top width="99%"><FONT size=2 face=Arial>Professional fees increased by $212,000, or 15.6%, due to increased legal and accounting costs consistent with the increasing size of our institution as well as professional service fees related to our mortgage operations.</FONT></TD></TR></TABLE>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Our efficiency ratio was 54.1% for 2019 compared to 56.5% for 2018. The efficiency ratio represents the percentage of one dollar of expense required to be incurred to earn a full dollar of revenue and is computed by dividing noninterest expense by the sum of net interest income and noninterest income. The improvement during the 2019 period relates primarily to the increase in interest income and noninterest income, partially offset by the increase in noninterest expense compared to the prior year.</FONT></P>
<P style="TEXT-ALIGN: justify"><I><FONT size=2 face=Arial>Income Taxes</FONT></I></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Income tax expense was $7.6 million, $6.4 million and $10.6 million for the years ended December 31, 2019, 2018 and 2017, respectively. Our effective tax rate was 21.5% for the year ended December 31, 2019, compared to 22.3% for 2018, and 44.9% for 2017. Included in income tax expense for the 2017 period is $2.4 million of income tax expense related to the revaluation of our deferred tax asset as a result of the reduction in the U.S. federal statutory income tax rate to 21% under the Tax Act enacted on December 22, 2017.</FONT></P>
<P style="TEXT-ALIGN: justify"><I><FONT size=2 face=Arial>Investment Securities</FONT></I></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>At December 31, 2019, our investment securities portfolio was $74.6 million and represented approximately 3.3% of our total assets. Our available for sale investment portfolio included U.S. agency securities, SBA securities, state and political subdivisions, mortgage-backed securities, and asset-backed securities with a fair value of $67.7 million and amortized cost of $68.1 million for an unrealized loss of $378,000.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The amortized costs and the fair value of our investments are as follows.</FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>

<TR vAlign=bottom>
   <TD STYLE="width: 87%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid">&nbsp;</TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-top: Black 1.5pt solid"><B><FONT size=1 face=Arial></FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD width="87%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="12%" colSpan=12 noWrap align=right><B><FONT size=1 face=Arial>December 31,</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD width="87%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="4%" colSpan=4 noWrap align=right><B><FONT size=1 face=Arial>2019</FONT></B></TD>
   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="3%" colSpan=3 noWrap align=right><B><FONT size=1 face=Arial>2018</FONT></B></TD>
   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="3%" colSpan=3 noWrap align=right><B><FONT size=1 face=Arial>2017</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD width="87%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Amortized</FONT></B></TD>
   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial>Fair</FONT></B></TD>
   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial>Amortized</FONT></B></TD>
   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial>Fair</FONT></B></TD>
   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial>Amortized</FONT></B></TD>
   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial>Fair</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="87%" noWrap align=left><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Cost</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial>Value</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial>Cost</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial>Value</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial>Cost</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial>Value</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="87%" noWrap align=left><B><FONT size=2 face=Arial>Available for Sale</FONT></B></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><B><FONT size=2 face=Arial></FONT></B></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD width="87%" noWrap align=left><FONT size=2 face=Arial>US government agencies</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>$</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>500</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>499</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>8,975</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>8,782</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>8,749</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>8,653</FONT></TD></TR>
<TR vAlign=bottom>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="87%" noWrap align=left><FONT size=2 face=Arial>SBA securities</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>550</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>531</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>3,628</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>3,525</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>4,087</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>4,063</FONT></TD></TR>
<TR vAlign=bottom>
   <TD width="87%" noWrap align=left><FONT size=2 face=Arial>State and political subdivisions</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>4,205</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>4,184</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>8,371</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>8,356</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>11,242</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>11,396</FONT></TD></TR>
<TR vAlign=bottom>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="87%" noWrap align=left><FONT size=2 face=Arial>Asset-backed securities</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>13,351</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>13,167</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>9,595</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>9,558</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD></TR>
<TR vAlign=bottom>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="87%" noWrap align=left><FONT size=2 face=Arial>Mortgage-backed securities</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>49,465</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>49,313</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>45,496</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>44,684</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>44,103</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>43,491</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 15pt; border-bottom: #000000 1.5pt solid; background-color: #c0c0c0; width: 87%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Total</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=center><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>&nbsp;$</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>68,071</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>67,694</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>76,065</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>74,905</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>68,181</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>67,603</FONT></TD></TR></TABLE>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Contractual maturities and yields on our investments are shown in the following table. Expected maturities may differ from contractual maturities because issuers may have the right to call or prepay obligations with or without call or prepayment penalties.</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" BORDER="0" STYLE="line-height: 14pt; border-collapse: collapse; width: 100%">

<TR vAlign=bottom>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"></TD>
   <TD COLSPAN="3" STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD COLSPAN="28" STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>December 31, 2019</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD COLSPAN="4" STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>Less Than One Year</FONT></B></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD COLSPAN="5" STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>One to Five Years</FONT></B></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD COLSPAN="5" STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>Five to Ten Years</FONT></B></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD COLSPAN="5" STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>Over Ten Years</FONT></B></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD COLSPAN="5" STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>Total</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD COLSPAN="2" STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>Amount</FONT></B></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></B></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>Yield</FONT></B></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD COLSPAN="2" STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>Amount</FONT></B></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD COLSPAN="2" STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>Yield</FONT></B></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD COLSPAN="2" STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>Amount</FONT></B></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD COLSPAN="2" STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>Yield</FONT></B></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD COLSPAN="2" STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>Amount</FONT></B></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD COLSPAN="2" STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>Yield</FONT></B></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD COLSPAN="2" STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>Amount</FONT></B></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD COLSPAN="2" STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>Yield</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="background-color: #c0c0c0; width: 71%; white-space: nowrap; text-align: left"><B><FONT size=1 face=Arial>Available for Sale</FONT></B></TD>
   <TD STYLE="background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD STYLE="background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial>US government agencies</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>$</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>-</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>-</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>$</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>499</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>1.97</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial>%</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>$</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>-</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>-</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>$</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>-</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>-</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>$</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>499</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>1.97</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial>%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial>SBA securities</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>-</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>-</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>-</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>-</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>-</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>-</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>531</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>2.62</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial>%</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>531</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>2.62</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial>%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial>State and political subdivisions</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>-</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>-</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>808</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>2.81</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial>%</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>1,283</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>2.96</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial>%</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>2,093</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>2.67</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial>%</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>4,184</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>2.79</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial>%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial>Asset-backed securities</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>-</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>-</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>-</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>-</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>1,493</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>2.34</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial>%</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>11,674</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>2.61</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial>%</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>13,167</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>2.58</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial>%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>Mortgage-backed securities</FONT></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>-</FONT></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>-</FONT></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>3,368</FONT></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>1.78</FONT></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>%</FONT></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>7,638</FONT></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>2.00</FONT></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>%</FONT></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>38,307</FONT></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>2.24</FONT></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>%</FONT></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>49,313</FONT></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>2.17</FONT></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="padding-left: 15pt; border-bottom: #000000 1.5pt solid; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>Total</FONT></TD>
   <TD STYLE="border-bottom: #000000 1.5pt solid; white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="border-bottom: #000000 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;$</FONT></TD>
   <TD STYLE="border-bottom: #000000 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>-</FONT></TD>
   <TD STYLE="border-bottom: #000000 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="border-bottom: #000000 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>-</FONT></TD>
   <TD STYLE="border-bottom: #000000 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="border-bottom: #000000 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>$</FONT></TD>
   <TD STYLE="border-bottom: #000000 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>4,675</FONT></TD>
   <TD STYLE="border-bottom: #000000 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="border-bottom: #000000 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>1.98</FONT></TD>
   <TD STYLE="border-bottom: #000000 1.5pt solid; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>%</FONT></TD>
   <TD STYLE="border-bottom: #000000 1.5pt solid; white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="border-bottom: #000000 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>$</FONT></TD>
   <TD STYLE="border-bottom: #000000 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>10,414</FONT></TD>
   <TD STYLE="border-bottom: #000000 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="border-bottom: #000000 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>2.17</FONT></TD>
   <TD STYLE="border-bottom: #000000 1.5pt solid; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>%</FONT></TD>
   <TD STYLE="border-bottom: #000000 1.5pt solid; white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="border-bottom: #000000 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>$</FONT></TD>
   <TD STYLE="border-bottom: #000000 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>52,605</FONT></TD>
   <TD STYLE="border-bottom: #000000 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="border-bottom: #000000 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>2.34</FONT></TD>
   <TD STYLE="border-bottom: #000000 1.5pt solid; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>%</FONT></TD>
   <TD STYLE="border-bottom: #000000 1.5pt solid; white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="border-bottom: #000000 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>$</FONT></TD>
   <TD STYLE="border-bottom: #000000 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>67,694</FONT></TD>
   <TD STYLE="border-bottom: #000000 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="border-bottom: #000000 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>2.29</FONT></TD>
   <TD STYLE="border-bottom: #000000 1.5pt solid; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>%</FONT></TD></TR></TABLE>

<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>50</FONT></P>
<HR align=center SIZE=2 width="100%" noShade>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV>

<p align="left"><font face="Arial" size=2><a href="#toc"><b>Table of Contents</b></a></font></p>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Other investments are comprised of the following and are recorded at cost which approximates fair value.</FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>

<TR vAlign=bottom>
   <TD style="BORDER-TOP: #000000 1.5pt solid" width="95%" noWrap align=left>&nbsp;</TD>
   <TD style="BORDER-TOP: #000000 1.5pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: #000000 1.5pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: #000000 1.5pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: #000000 1.5pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: #000000 1.5pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD width="95%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="4%" colSpan=4 noWrap align=right><B><FONT size=1 face=Arial>December 31,</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="95%" noWrap align=left><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>2019</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial>2018</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="95%" noWrap align=left><FONT size=2 face=Arial>Federal Home Loan Bank stock</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>$</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>6,386</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>3,587</FONT></TD></TR>
<TR vAlign=bottom>
   <TD width="95%" noWrap align=left><FONT size=2 face=Arial>Other investments</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>159</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>131</FONT></TD></TR>
<TR vAlign=bottom>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="95%" noWrap align=left><FONT size=2 face=Arial>Investment in Trust Preferred subsidiaries</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>403</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>403</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 15pt; border-bottom: #000000 1.5pt solid; width: 95%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Total</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>$</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>6,948</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>4,121</FONT></TD></TR></TABLE>

<P style="TEXT-ALIGN: justify"><I><FONT size=2 face=Arial>Loans</FONT></I></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Since loans typically provide higher interest yields than other types of interest-earning assets, a substantial percentage of our earning assets are invested in our loan portfolio. Average loans for the years ended December 31, 2019 and 2018 were $1.81 billion and $1.55 billion, respectively. Before allowance for loan losses, total loans outstanding at December 31, 2019 and 2018 were $1.94 billion and $1.68 billion, respectively.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The principal component of our loan portfolio is loans secured by real estate mortgages. As of December 31, 2019, our loan portfolio included $1.61 billion, or 82.8%, of real estate loans, compared to $1.38 billion, or 82.3%, as of December 31, 2018. Most of our real estate loans are secured by residential or commercial property. We obtain a security interest in real estate, in addition to any other available collateral. This collateral is taken to increase the likelihood of the ultimate repayment of the loan. Generally, we limit the loan-to-value ratio on loans to coincide with the appropriate regulatory guidelines. We attempt to maintain a relatively diversified loan portfolio to help reduce the risk inherent in concentration in certain types of collateral and business types. We do not generally originate traditional long term residential mortgages to hold in our loan portfolio, but we do issue traditional second mortgage residential real estate loans and home equity lines of credit. Home equity lines of credit totaled $179.7 million as of December 31, 2019, of which approximately 44% were in a first lien position, while the remaining balance was second liens, compared to $165.9 million as of December 31, 2018, of which approximately 43% were in first lien positions and the remaining balance was in second liens. The average home equity loan had a balance of approximately $90,000 and a loan to value of approximately 68% as of December 31, 2019, compared to an average loan balance of $88,000 and a loan to value of approximately 70% as of December 31, 2018. Further, 0.4% and 0.1% of our total home equity lines of credit were over 30 days past due as of December 31, 2019 and 2018, respectively.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Following is a summary of our loan composition for each of the five years ended December 31, 2019. Of the $266.2 million in loan growth in 2019, $169.6 million of growth was in commercial related loans, while $96.6 million of growth was in consumer related loans. In addition, the $77.3 million increase in consumer real estate loans is related to our focus to continue to originate high quality 1-4 family consumer real estate loans. Our average consumer real estate loan currently has a principal balance of $386,000, a term of fourteen years, and an average rate of 4.46%.</FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE; letter-spacing: -.3px" cellSpacing=0 cellPadding=0 width="100%" border=0>

<TR vAlign=bottom>
   <TD style="BORDER-TOP: #000000 1.5pt solid" width="65%" noWrap align=left>&nbsp;</TD>
   <TD style="BORDER-TOP: #000000 1.5pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: #000000 1.5pt solid" width="34%" colSpan=34 noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD width="65%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="34%" colSpan=34 noWrap align=right><B><FONT size=1 face=Arial>December 31,</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD width="65%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="6%" colSpan=6 noWrap align=right><B><FONT size=1 face=Arial>2019</FONT></B></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="6%" colSpan=6 noWrap align=right><B><FONT size=1 face=Arial>2018</FONT></B></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="6%" colSpan=6 noWrap align=right><B><FONT size=1 face=Arial>2017</FONT></B></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="6%" colSpan=6 noWrap align=right><B><FONT size=1 face=Arial>2016</FONT></B></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="6%" colSpan=6 noWrap align=right><B><FONT size=1 face=Arial>2015</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD width="65%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>%of</FONT></B></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>%of</FONT></B></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>%of</FONT></B></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>%of</FONT></B></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>%of</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="65%" noWrap align=left><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left>&nbsp;&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Amount</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left>&nbsp;&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Total</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left>&nbsp;&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Amount</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right>&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right>&nbsp;&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Total</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left>&nbsp;&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Amount</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left>&nbsp;&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Total</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left>&nbsp;&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Amount</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left>&nbsp;&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Total</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left>&nbsp;&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Amount</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left>&nbsp;&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Total</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="65%" noWrap align=left><B><FONT size=1 face=Arial>Commercial</FONT></B></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 65%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Owner occupied RE</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>$</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>407,851</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>21.0</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>$</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>367,018</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>21.9</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>$</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>316,818</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>22.8</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>$</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>285,938</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>24.6</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>$</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>236,083</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>23.5</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 15pt; background-color: #c0c0c0; width: 65%; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>Non-owner occupied RE</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>501,878</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>25.8</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>404,296</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>24.1</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>312,798</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>22.6</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>239,574</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>20.6</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>205,604</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>20.5</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 65%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Construction</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>80,486</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>4.1</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>84,411</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>5.0</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>51,179</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>3.7</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>33,393</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2.9</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>41,751</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>4.1</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 15pt; border-bottom: #000000 1pt solid; background-color: #c0c0c0; width: 65%; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>Business</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>308,123</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>15.9</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>272,980</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>16.3</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>226,158</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>16.3</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>202,552</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>17.4</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>171,743</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>17.1</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 30pt; border-bottom: #000000 1pt solid; width: 65%; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>Total commercial loans</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=1 face=Arial>1,298,338</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=1 face=Arial>66.8</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=1 face=Arial>1,128,705</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=1 face=Arial>67.3</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=1 face=Arial>906,953</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=1 face=Arial>65.4</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=1 face=Arial>761,457</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=1 face=Arial>65.5</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=1 face=Arial>655,181</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=1 face=Arial>65.2</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD></TR>
<TR vAlign=bottom>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="65%" noWrap align=left><B><FONT size=1 face=Arial>Consumer</FONT></B></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 65%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Real estate</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>398,245</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>20.5</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>320,943</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>19.1</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>273,050</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>19.7</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>215,588</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>18.5</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>174,802</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>17.4</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 15pt; background-color: #c0c0c0; width: 65%; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>Home equity</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>179,738</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>9.3</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>165,937</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>9.9</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>156,141</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>11.3</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>137,105</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>11.8</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>116,563</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>11.6</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 65%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Construction</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>41,471</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2.1</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>37,925</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2.3</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>28,351</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2.0</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>31,922</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2.7</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>43,318</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>4.3</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 15pt; border-bottom: #000000 1pt solid; background-color: #c0c0c0; width: 65%; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>Other</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>25,733</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>1.3</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>23,822</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>1.4</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>22,575</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>1.6</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>17,572</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>1.5</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>15,080</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>1.5</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 30pt; border-bottom: #000000 1pt solid; width: 65%; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>Total consumer loans</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=1 face=Arial>645,187</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=1 face=Arial>33.2</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=1 face=Arial>548,627</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=1 face=Arial>32.7</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=1 face=Arial>480,117</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=1 face=Arial>34.6</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=1 face=Arial>402,187</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=1 face=Arial>34.5</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=1 face=Arial>349,763</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=1 face=Arial>34.8</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 30pt; background-color: #c0c0c0; width: 65%; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>Total gross loans, net of deferred fees</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>1,943,525</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>100.0</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>1,677,332</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right>&nbsp;</TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>100.0</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>1,387,070</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>100.0</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>1,163,644</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>100.0</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>1,004,944</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>100.0</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD></TR>
<TR vAlign=bottom>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="65%" noWrap align=left><FONT size=1 face=Arial>Less &#8211; allowance for loan losses</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=1 face=Arial>(16,642</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left><FONT size=1 face=Arial>)</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=1 face=Arial>(15,762</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left><FONT size=1 face=Arial>)</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=1 face=Arial>(15,523</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left><FONT size=1 face=Arial>)</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=1 face=Arial>(14,855</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left><FONT size=1 face=Arial>)</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=1 face=Arial>(13,629</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left><FONT size=1 face=Arial>)</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 30pt; border-bottom: #000000 1.5pt solid; background-color: #c0c0c0; width: 65%; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>Total loans, net</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>$</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>1,926,883</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>$</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>1,661,570</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>$</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>1,371,547</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>$</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>1,148,789</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>$</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>991,315</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD></TR></TABLE>

<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>51</FONT></P>
<HR align=center SIZE=2 width="100%" noShade>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV>

<p align="left"><font face="Arial" size=2><a href="#toc"><b>Table of Contents</b></a></font></p>
<P style="TEXT-ALIGN: justify"><I><FONT size=2 face=Arial>Maturities and Sensitivity of Loans to Changes in Interest Rates</FONT></I></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The information in the following table is based on the contractual maturities of individual loans, including loans which may be subject to renewal at their contractual maturity. Renewal of such loans is subject to review and credit approval, as well as modification of terms upon maturity. Actual repayments of loans may differ from the maturities reflected below because borrowers have the right to prepay obligations with or without prepayment penalties.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The following table summarizes the loan maturity distribution by type and related interest rate characteristics.</FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>

<TR vAlign=bottom>
   <TD style="BORDER-TOP: #000000 1.5pt solid" width="90%" noWrap align=left>&nbsp;</TD>
   <TD style="BORDER-TOP: #000000 1.5pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: #000000 1.5pt solid" width="9%" colSpan=9 noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD width="90%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="9%" colSpan=9 noWrap align=right><B><FONT size=1 face=Arial>December 31, 2019</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD width="90%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial>After one</FONT></B></TD>
   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD width="90%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>One year</FONT></B></TD>
   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial>but within</FONT></B></TD>
   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial>After five</FONT></B></TD>
   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="90%" noWrap align=left><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>or less</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial>five years</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial>years</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Total</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="90%" noWrap align=left><B><FONT size=2 face=Arial>Commercial</FONT></B></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><B><FONT size=2 face=Arial></FONT></B></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 90%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Owner occupied RE</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>$</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>40,476</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>147,945</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>219,430</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>407,851</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 15pt; background-color: #c0c0c0; width: 90%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Non-owner occupied RE</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>55,187</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>267,879</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>178,812</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>501,878</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 90%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Construction</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>31,035</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>19,278</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>30,173</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>80,486</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 15pt; border-bottom: #000000 1pt solid; background-color: #c0c0c0; width: 90%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Business</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>84,452</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>146,051</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>77,620</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>308,123</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 30pt; border-bottom: #000000 1pt solid; width: 90%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Total commercial loans</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>211,150</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>581,153</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>506,035</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>1,298,338</FONT></TD></TR>
<TR vAlign=bottom>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="90%" noWrap align=left><B><FONT size=2 face=Arial>Consumer</FONT></B></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><B><FONT size=2 face=Arial></FONT></B></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 90%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Real estate</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>16,663</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>82,445</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>299,137</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>398,245</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 15pt; background-color: #c0c0c0; width: 90%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Home equity</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>9,921</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>25,828</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>143,989</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>179,738</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 90%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Construction</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>13,405</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,222</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>26,844</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>41,471</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 15pt; border-bottom: #000000 1pt solid; background-color: #c0c0c0; width: 90%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Other</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>6,422</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>15,022</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>4,289</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>25,733</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 30pt; border-bottom: #000000 1pt solid; width: 90%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Total consumer loans</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>46,411</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>124,517</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>474,259</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>645,187</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="border-bottom: #000000 1.5pt solid; padding-left: 45pt; background-color: #c0c0c0; width: 90%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Total gross loan, net of deferred fees</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>$</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>257,561</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>705,670</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>980,294</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>1,943,525</FONT></TD></TR>
<TR vAlign=bottom>
   <TD width="90%" noWrap align=left><FONT size=2 face=Arial>Loans maturing &#8211; after one year with</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 45pt; background-color: #c0c0c0; width: 90%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Fixed interest rates</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>$</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>1,310,744</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 45pt; border-bottom: #000000 1.5pt solid; width: 90%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Floating interest rates</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>375,220</FONT></TD></TR></TABLE>

<P style="TEXT-ALIGN: justify"><I><FONT size=2 face=Arial>Nonperforming Assets</FONT></I></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Nonperforming assets include real estate acquired through foreclosure or deed taken in lieu of foreclosure and loans on nonaccrual status. The following table shows the nonperforming assets and the related percentage of nonperforming assets to total assets and gross loans for the five years ended December 31, 2019. Generally, a loan is placed on nonaccrual status when it becomes 90 days past due as to principal or interest, or when we believe, after considering economic and business conditions and collection efforts, that the borrower&#8217;s financial condition is such that collection of the loan is doubtful. A payment of interest on a loan that is classified as nonaccrual is recognized as a reduction in principal when received. Our policy with respect to nonperforming loans requires the borrower to make a minimum of six consecutive payments in accordance with the loan terms before that loan can be placed back on accrual status. Further, the borrower must show capacity to continue performing into the future prior to restoration of accrual status. As of December 31, 2019 and 2018, we had no loans 90 days past due and still accruing.</FONT></P>
<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>52</FONT></P>
<HR align=center SIZE=2 width="100%" noShade>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV>
<p align="left"><font face="Arial" size=2><a href="#toc"><b>Table of Contents</b></a></font></p>

<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>

<TR vAlign=bottom>
   <TD style="BORDER-TOP: #000000 1.5pt solid" width="88%" noWrap align=left>&nbsp;</TD>
   <TD style="BORDER-TOP: #000000 1.5pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: #000000 1.5pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: #000000 1.5pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: #000000 1.5pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: #000000 1.5pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: #000000 1.5pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: #000000 1.5pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: #000000 1.5pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: #000000 1.5pt solid" width="3%" colSpan=3 noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD width="88%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="10%" colSpan=10 noWrap align=right><B><FONT size=1 face=Arial>December 31,</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="88%" noWrap align=left><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>2019</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial>2018</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial>2017</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial>2016</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial>2015</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="88%" noWrap align=left><B><FONT size=2 face=Arial>Commercial</FONT></B></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><B><FONT size=2 face=Arial></FONT></B></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 88%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Owner occupied RE</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>$</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>276</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>704</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 15pt; background-color: #c0c0c0; width: 88%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Non-owner occupied RE</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>188</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>210</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>1,581</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>2,711</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>4,170</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 88%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Construction</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 15pt; background-color: #c0c0c0; width: 88%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Business</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>235</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>81</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>910</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>686</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>779</FONT></TD></TR>
<TR vAlign=bottom>
   <TD width="88%" noWrap align=left><B><FONT size=2 face=Arial>Consumer</FONT></B></TD>
   <TD width="1%" noWrap align=left><B><FONT size=2 face=Arial></FONT></B></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 15pt; background-color: #c0c0c0; width: 88%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Real estate</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>1,829</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>1,980</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>992</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>550</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 88%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Home equity</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>431</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,006</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,144</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>256</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>258</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 15pt; background-color: #c0c0c0; width: 88%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Construction</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 88%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Other</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>12</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>13</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>5</FONT></TD></TR>
<TR vAlign=bottom>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="88%" noWrap align=left><FONT size=2 face=Arial>Nonaccruing troubled debt restructurings (TDRs)</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>4,111</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>2,541</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>2,673</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>990</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>701</FONT></TD></TR>
<TR vAlign=bottom>
   <TD width="88%" noWrap align=left><FONT size=2 face=Arial>Total nonaccrual loans, including nonaccruing TDRs</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>6,794</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>5,830</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>7,301</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>5,482</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>6,617</FONT></TD></TR>
<TR vAlign=bottom>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="88%" noWrap align=left><FONT size=2 face=Arial>Other real estate owned</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>242</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>639</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>2,475</FONT></TD></TR>
<TR vAlign=bottom>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="88%" noWrap align=left><FONT size=2 face=Arial>Total nonperforming assets</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>$</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>6,794</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>5,830</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>7,543</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>6,121</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>9,092</FONT></TD></TR>
<TR vAlign=bottom>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="88%" noWrap align=left><FONT size=2 face=Arial>Nonperforming assets as a percentage of:</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 88%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Total assets</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.30%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.31%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.46%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.46%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.75%</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 15pt; border-bottom: #000000 1pt solid; background-color: #c0c0c0; width: 88%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Gross loans</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>0.35%</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>0.35%</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>0.54%</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>0.53%</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>0.90%</FONT></TD></TR>
<TR vAlign=bottom>
   <TD width="88%" noWrap align=left><FONT size=2 face=Arial>Total loans over 90 days past due (1)</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>$</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>2,038</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>458</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>2,027</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,984</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>4,547</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 15pt; background-color: #c0c0c0; width: 88%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Loans over 90 days past due and still accruing</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD></TR>
<TR vAlign=bottom>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="88%" noWrap align=left><FONT size=2 face=Arial>Accruing troubled debt restructurings</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>5,219</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>6,742</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>5,145</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>5,675</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>7,266</FONT></TD></TR></TABLE><BR>
<TABLE style="LINE-HEIGHT: normal" cellSpacing=0 cellPadding=0 width="100%" border=0>

<TR>
   <TD style="PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT size=1 face=Arial>(1)</FONT></TD>
   <TD VALIGN="TOP" WIDTH="99%" STYLE="text-align: justify"><FONT size=1 face=Arial>Loans over 90 days are included in nonaccrual loans</FONT></TD></TR></TABLE>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>At December 31, 2019, nonperforming assets were $6.8 million, or 0.30% of total assets and 0.35% of gross loans, compared to $5.8 million, or 0.31% of total assets and 0.35% of gross loans at December 31, 2018. Nonaccrual loans increased $964,000 to $6.8 million at December 31, 2019 from $5.8 million at December 31, 2018. During 2019, we added $4.7 million (consisting of 15 new loans) to nonaccrual, transferred two loans totaling $236,000 to accrual status, removed eight loans totaling $2.4 million that were paid off or sold, and charged off $841,000 of nonaccrual loans. The amount of foregone interest income on the nonaccrual loans for the years ended December 31, 2019 and 2018 was approximately $23,000 and $53,000, respectively.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>At December 31, 2019, our allowance for loan losses represented 245.0% of nonaccrual loans, compared to 270.4% at year-end 2018 and 212.6% at year-end 2017. A significant portion, or 96.5%, of nonaccrual loans at December 31, 2019 were secured by real estate. Our nonaccrual loans have been charged down to approximately 86% of their original nonperforming balance. We have evaluated the underlying collateral on these loans and believe that the collateral on these loans is sufficient to minimize future losses. As a result of this level of coverage on nonaccrual loans, we believe the allowance for loan losses of $16.6 million for the year ended December 31, 2019 is adequate.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>As a general practice, most of our loans are originated with relatively short maturities of less than ten years. As a result, when a loan reaches its maturity we frequently renew the loan and thus extend its maturity using similar credit standards as those used when the loan was first originated. Due to these loan practices, we may, at times, renew loans which are classified as nonaccrual after evaluating the loan&#8217;s collateral value and financial strength of its guarantors. Nonaccrual loans are renewed at terms generally consistent with the ultimate source of repayment and rarely at reduced rates. In these cases, we will generally seek additional credit enhancements, such as additional collateral or additional guarantees to further protect the loan. When a loan is no longer performing in accordance with its stated terms, we will typically seek performance under the guarantee.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>In addition, approximately 83% of our loans are collateralized by real estate and approximately 86% of our impaired loans are secured by real estate. We use third party appraisers to determine the fair value of collateral dependent loans. Our current loan and appraisal policies require us to review impaired loans at least annually and determine whether it is necessary to obtain an updated appraisal, either through a new external appraisal or an internal appraisal evaluation. We individually review our impaired loans on a quarterly basis to determine the level of impairment. As of December 31, 2019, we do not have any impaired loans carried at a value in excess of the appraised value. We typically charge-off a portion or create a specific reserve for impaired loans when we do not expect repayment to occur as agreed upon under the original terms of the loan agreement.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>At December 31, 2019, impaired loans totaled approximately $12.0 million for which $4.7 million of these loans have a reserve of approximately $1.4 million allocated in the allowance. During 2019, the average recorded investment in impaired loans was approximately $12.3 million. At December 31, 2018, impaired loans totaled approximately $12.6 million for which &#36;6.2 million of these loans had a reserve of approximately &#36;2.0 million allocated in the allowance. During 2018, the average recorded investment in impaired loans was approximately &#36;13.1 million.</FONT></P>
<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>53</FONT></P>
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<p align="left"><font face="Arial" size=2><a href="#toc"><b>Table of Contents</b></a></font></p>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>We consider a loan to be a TDR when the debtor experiences financial difficulties and we provide concessions such that we will not collect all principal and interest in accordance with the original terms of the loan agreement. Concessions can relate to the contractual interest rate, maturity date, or payment structure of the note. As part of our workout plan for individual loan relationships, we may restructure loan terms to assist borrowers facing challenges in the current economic environment. As of both December 31, 2019 and 2018, we had $9.3 million in loans that we considered TDRs. See Notes 1 and 5 to the Consolidated Financial Statements for additional information on TDRs.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>In addition, potential problem loans, which are loans rated substandard and not included in nonperforming loans or TDRs, amounted to approximately $9.0 million, or 0.46% of gross loans at December 31, 2019, compared to $6.3 million, or 0.37% of gross loans at December 31, 2018. Potential problem loans represent those loans with a well-defined weakness and where information about possible credit problems of borrowers has caused management to have serious doubts about the borrower&#8217;s ability to comply with present repayment terms. The increase in potential problem loans since December 31, 2018 is primarily the result of three loans that increased total problem loans by approximately $5.3 million.</FONT></P>
<P style="TEXT-ALIGN: justify"><I><FONT size=2 face=Arial>Allowance for Loan Losses</FONT></I></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>At December 31, 2019 and December 31, 2018, the allowance for loan losses was $16.6 million and $15.8 million, respectively, or 0.86% and 0.94% of outstanding loans, respectively. The allowance for loan losses as a percentage of our outstanding loan portfolio declined from the prior year as a result of the consistent credit quality of our loan portfolio during 2019, improved economic conditions and other qualitative factors. Our nonperforming assets as a percentage of total assets declined slightly to 0.30% at December 31, 2019 compared to 0.31% at December 31, 2018 and our classified assets declined to 7.9% of capital as of December 31, 2019, compared to 8.7% of capital as of December 31, 2018. See Note 4 to the Consolidated Financial Statements for more information on our allowance for loan losses.</FONT></P>
<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>54</FONT></P>
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<!-- Part 10 -->
<P align ="left"><font size=2 face=Arial><A HREF="#toc"><B>Table of Contents</B></A></FONT></P>


<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The following table summarizes the activity related to our allowance for loan losses for the five years ended December 31, 2019.</FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>

<TR vAlign=bottom>
   <TD style="BORDER-TOP: #000000 1.5pt solid" width="100%" colSpan=17 noWrap align=left>&nbsp;</TD></TR>
<TR vAlign=bottom>
   <TD width="84%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="14%" colSpan=14 noWrap align=right><B><FONT size=1 face=Arial>Year ended December 31,</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="84%" noWrap align=left><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>2019</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial>2018</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial>2017</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial>2016</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial>2015</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="84%" noWrap align=left><B><FONT size=2 face=Arial>Balance, beginning of period</FONT></B></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>15,762</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>15,523</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>14,855</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>13,629</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>11,752</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD width="84%" noWrap align=left><B><FONT size=2 face=Arial>Provision for loan losses</FONT></B></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>2,300</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,900</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>2,000</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>2,300</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>3,200</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="84%" noWrap align=left><B><FONT size=2 face=Arial>Loan charge-offs:</FONT></B></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 84%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Commercial</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 30pt; background-color: #c0c0c0; width: 84%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Owner occupied RE</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>(110</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>(5</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>(48</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 84%; white-space: nowrap; text-align: left; padding-left: 30pt"><FONT size=2 face=Arial>Non-owner occupied RE</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>(239</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>(432</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>(589</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>(100</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>(258</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 30pt; background-color: #c0c0c0; width: 84%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Construction</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>(42</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>(50</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 30pt; border-bottom: #000000 1pt solid; width: 84%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Business</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>(910</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>(695</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>(638</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>(1,031</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>(881</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 45pt; border-bottom: #000000 1pt solid; background-color: #c0c0c0; width: 84%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Total commercial</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>(1,259</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>(1,127</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>(1,227</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>(1,178</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>(1,237</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 84%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Consumer</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 30pt; background-color: #c0c0c0; width: 84%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Real estate</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>(826</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>(194</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>(173</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 84%; white-space: nowrap; text-align: left; padding-left: 30pt"><FONT size=2 face=Arial>Home equity</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>(174</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>(140</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>(400</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>(66</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>(93</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 30pt; background-color: #c0c0c0; width: 84%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Construction</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 30pt; border-bottom: #000000 1pt solid; width: 84%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Other</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>(82</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>(53</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>(11</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>(210</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>(5</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 45pt; border-bottom: #000000 1pt solid; background-color: #c0c0c0; width: 84%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Total consumer</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>(256</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>(1,019</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>(411</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>(470</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>(271</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 60pt; border-bottom: #000000 1pt solid; width: 84%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Total loan charge-offs</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>(1,515</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>(2,146</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>(1,638</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>(1,648</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>(1,508</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD></TR>
<TR vAlign=bottom>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="84%" noWrap align=left><B><FONT size=2 face=Arial>Loan recoveries:</FONT></B></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 84%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Commercial</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 30pt; background-color: #c0c0c0; width: 84%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Owner occupied RE</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 84%; white-space: nowrap; text-align: left; padding-left: 30pt"><FONT size=2 face=Arial>Non-owner occupied RE</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>2</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>132</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>119</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>155</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>10</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 30pt; background-color: #c0c0c0; width: 84%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Construction</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 30pt; border-bottom: #000000 1pt solid; width: 84%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Business</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>43</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>229</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>86</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>403</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>129</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 45pt; border-bottom: #000000 1pt solid; background-color: #c0c0c0; width: 84%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Total commercial</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>45</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>361</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>205</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>558</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>139</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 84%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Consumer</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 30pt; background-color: #c0c0c0; width: 84%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Real estate</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>37</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>5</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>86</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>10</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 84%; white-space: nowrap; text-align: left; padding-left: 30pt"><FONT size=2 face=Arial>Home equity</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>2</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>115</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>13</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>46</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 30pt; background-color: #c0c0c0; width: 84%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Construction</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 30pt; border-bottom: #000000 1pt solid; width: 84%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Other</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>11</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>4</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>2</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>5</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 45pt; border-bottom: #000000 1pt solid; background-color: #c0c0c0; width: 84%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Total consumer</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>50</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>124</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>101</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>16</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>46</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 60pt; border-bottom: #000000 1pt solid; width: 84%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Total recoveries</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=center></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>95</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>485</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>306</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>574</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>185</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 75pt; border-bottom: #000000 1pt solid; background-color: #c0c0c0; width: 84%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Net loan charge-offs</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>(1,420</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>(1,661</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>(1,332</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>(1,074</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>(1,323</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD></TR>
<TR vAlign=bottom>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="84%" noWrap align=left><B><FONT size=2 face=Arial>Balance, end of period</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left><FONT size=2 face=Arial>$</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>16,642</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>15,762</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>15,523</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>14,855</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>13,629</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 75pt; background-color: #c0c0c0; width: 84%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Allowance for loan losses to gross loans</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>0.86%</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>0.94%</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>1.12%</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>1.28%</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>1.36%</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 90pt; border-bottom: #000000 1.5pt solid; width: 84%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Net charge-offs to average loans</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=center></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>0.08%</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>0.11%</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>0.10%</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>0.10%</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>0.14%</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left></TD></TR></TABLE>

<P style="TEXT-ALIGN: justify"><I><FONT size=2 face=Arial>Deposits and Other Interest-Bearing Liabilities</FONT></I></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Our primary source of funds for loans and investments is our deposits and advances from the FHLB. In the past, we have chosen to obtain a portion of our certificates of deposits from areas outside of our market in order to obtain longer term deposits than are readily available in our local market. Our internal guidelines regarding the use of brokered CDs limit our brokered CDs to 20% of total deposits. In addition, we do not obtain time deposits of $100,000 or more through the Internet. These guidelines allow us to take advantage of the attractive terms that wholesale funding can offer while mitigating the related inherent risk.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Our retail deposits represented $1.81 billion, or 96.4% of total deposits at December 31, 2019, while our out-of-market, or brokered deposits, represented $67.4 million, or 3.6% of our total deposits at December 31, 2019. At December 31, 2018, retail deposits represented $1.57 billion, or 95.2% of our total deposits, and brokered deposits were $79.3 million, representing 4.8% of our total deposits, at December 31, 2018. Our loan-to-deposit ratio was 104%, 102%, and 100% at December 31, 2019, 2018, and 2017, respectively.</FONT></P>
<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>55</FONT></P>
<HR align=center SIZE=2 width="100%" noShade>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV>

<P align ="left"><font size=2 face=Arial><A HREF="#toc"><B>Table of Contents</B></A></FONT></P>


<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The following table shows the average balance amounts and the average rates paid on deposits held by us.</FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>

<TR vAlign=bottom>
   <TD style="BORDER-TOP: #000000 1.5pt solid" width="82%" noWrap align=left>&nbsp;</TD>
   <TD style="BORDER-TOP: #000000 1.5pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: #000000 1.5pt solid" width="17%" colSpan=17 noWrap align=right></TD></TR>
<TR vAlign=bottom>
   <TD width="82%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="17%" colSpan=17 noWrap align=right><B><FONT size=1 face=Arial>December 31,</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD width="82%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="5%" colSpan=5 noWrap align=right><B><FONT size=1 face=Arial>2019</FONT></B></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="5%" colSpan=5 noWrap align=right><B><FONT size=1 face=Arial>2018</FONT></B></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="5%" colSpan=5 noWrap align=right><B><FONT size=1 face=Arial>2017</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="82%" noWrap align=left><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Amount</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Rate</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Amount</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Rate</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Amount</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Rate</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="82%" noWrap align=left><FONT size=2 face=Arial>Noninterest bearing demand deposits</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>$</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>367,674</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>$</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>298,709</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>$</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>264,162</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD></TR>
<TR vAlign=bottom>
   <TD width="82%" noWrap align=left><FONT size=2 face=Arial>Interest bearing demand deposits</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>205,513</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.27</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>235,623</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.17</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>218,355</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.18</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD></TR>
<TR vAlign=bottom>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="82%" noWrap align=left><FONT size=2 face=Arial>Money market accounts</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>849,225</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>1.78</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>653,436</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>1.34</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>463,314</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>0.81</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD></TR>
<TR vAlign=bottom>
   <TD width="82%" noWrap align=left><FONT size=2 face=Arial>Savings accounts</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>15,483</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.06</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>15,870</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.05</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>15,698</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.05</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD></TR>
<TR vAlign=bottom>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="82%" noWrap align=left><FONT size=2 face=Arial>Time deposits less than $100,000</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>58,043</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>1.88</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>60,032</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>1.43</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>51,470</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>0.87</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD></TR>
<TR vAlign=bottom>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="82%" noWrap align=left><FONT size=2 face=Arial>Time deposits greater than $100,000</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>305,388</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1.72</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>272,169</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1.77</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>258,076</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1.08</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 15pt; border-bottom: #000000 1.5pt solid; background-color: #c0c0c0; width: 82%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Total deposits</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>$</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>1,801,326</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>1.22</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>$</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>1,535,839</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>0.97</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>$</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>1,271,075</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>0.58</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD></TR></TABLE>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>During the 12 months ended December 31, 2019, our average transaction account balances increased by $234.3 million, or 19.5%, while our average time deposit balances increased by $31.2 million, or 9.4%. Core deposits exclude out-of-market deposits and time deposits of $250,000 or more and provide a relatively stable funding source for our loan portfolio and other earning assets. Our core deposits were $1.66 billion, $1.43 billion, and $1.25 billion at December 31, 2019, 2018 and 2017, respectively.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>All of our time deposits are certificates of deposits. The maturity distribution of our time deposits of $100,000 or more is as follows:</FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>

<TR vAlign=bottom>
   <TD style="BORDER-TOP: #000000 1.5pt solid" width="95%" noWrap align=left>&nbsp;</TD>
   <TD style="BORDER-TOP: #000000 1.5pt solid" width="1%" noWrap align=left><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD style="BORDER-TOP: #000000 1.5pt solid" width="4%" colSpan=4 noWrap align=right></TD></TR>
<TR vAlign=bottom>
   <TD width="95%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="4%" colSpan=4 noWrap align=right><B><FONT size=1 face=Arial>December 31,</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="95%" noWrap align=left><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>2019</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial>2018</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="95%" noWrap align=left><FONT size=2 face=Arial>Three months or less</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>$</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>85,130</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>55,757</FONT></TD></TR>
<TR vAlign=bottom>
   <TD width="95%" noWrap align=left><FONT size=2 face=Arial>Over three through six months</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>58,721</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>38,081</FONT></TD></TR>
<TR vAlign=bottom>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="95%" noWrap align=left><FONT size=2 face=Arial>Over six through twelve months</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>91,867</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>103,493</FONT></TD></TR>
<TR vAlign=bottom>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="95%" noWrap align=left><FONT size=2 face=Arial>Over twelve months</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>51,273</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>108,116</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 15pt; border-bottom: #000000 1.5pt solid; background-color: #c0c0c0; width: 95%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Total</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>$</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>286,991</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>305,447</FONT></TD></TR></TABLE>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Included in time deposits of $100,000 or more at December 31, 2019 is $67.4 million of wholesale CDs scheduled to mature within the next 12 months at a weighted average rate of 2.12%. Time deposits that meet or exceed the FDIC insurance limit of $250,000 at December 31, 2019 and December 31, 2018 were $220.1 million and $214.0 million, respectively.</FONT></P>
<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>Liquidity and Capital Resources</FONT></B></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Liquidity represents the ability of a company to convert assets into cash or cash equivalents without significant loss, and the ability to raise additional funds by increasing liabilities. Liquidity management involves monitoring our sources and uses of funds in order to meet our day-to-day cash flow requirements while maximizing profits. Liquidity management is made more complicated because different balance sheet components are subject to varying degrees of management control. For example, the timing of maturities of our investment portfolio is fairly predictable and subject to a high degree of control at the time investment decisions are made. However, net deposit inflows and outflows are far less predictable and are not subject to the same degree of control.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>At December 31, 2019 and 2018, our cash and cash equivalents amounted to $127.8 million and $72.9 million, or 5.6% and 3.8% of total assets, respectively. Our investment securities at December 31, 2019 and 2018 amounted to $74.6 million and $79.0 million, or 3.3% and 4.2% of total assets, respectively. Investment securities traditionally provide a secondary source of liquidity since they can be converted into cash in a timely manner.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Our ability to maintain and expand our deposit base and borrowing capabilities serves as our primary source of liquidity. We plan to meet our future cash needs through the liquidation of temporary investments, the generation of deposits, and from additional borrowings. In addition, we will receive cash upon the maturity and sale of loans and the maturity of investment securities. We maintain four federal funds purchased lines of credit with correspondent banks totaling $72.0 million for which there were no borrowings against the lines at December 31, 2019.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>We are also a member of the FHLB of Atlanta, from which applications for borrowings can be made. The FHLB requires that securities, qualifying mortgage loans, and stock of the FHLB owned by the Bank be pledged to secure any advances from the FHLB. The unused borrowing capacity currently available from the FHLB at December 31, 2019 was $312.4 million, based on the Bank&#8217;s $6.4 million investment in FHLB stock, as well as qualifying mortgages available to secure any future borrowings. However, we are able to pledge additional securities to the FHLB in order to increase our available borrowing capacity. In addition, at December 31, 2019 we had $238.1 million of letters of credit outstanding with the FHLB to secure client deposits.</FONT></P>
<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>56</FONT></P>
<HR align=center SIZE=2 width="100%" noShade>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV>

<P align ="left"><font size=2 face=Arial><A HREF="#toc"><B>Table of Contents</B></A></FONT></P>


<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>We also have a line of credit with another financial institution for $15.0 million, which was unused at December 31, 2019. The line of credit bears interest at LIBOR plus 2.50% and matures on June 30, 2020.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>We believe that our existing stable base of core deposits, federal funds purchased lines of credit with correspondent banks, and borrowings from the FHLB will enable us to successfully meet our long-term liquidity needs. However, as short-term liquidity needs arise, we have the ability to sell a portion of our investment securities portfolio to meet those needs.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Total shareholders&#8217; equity was $205.9 million at December 31, 2019 and $173.9 million at December 31, 2018. The $31.9 million increase during 2019 is due primarily to net income to common shareholders of $27.9 million, stock option exercises and expenses of $3.5 million and $619,000 in other comprehensive income.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The following table shows the return on average assets (net income divided by average total assets), return on average equity (net income divided by average equity), equity to assets ratio (average equity divided by average assets), and tangible common equity ratio (total equity less preferred stock divided by total assets) for the three years ended December 31, 2019. Since our inception, we have not paid cash dividends.</FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>

<TR vAlign=bottom>
   <TD style="BORDER-TOP: #000000 1.5pt solid" width="91%" noWrap align=left>&nbsp;</TD>
   <TD style="BORDER-TOP: #000000 1.5pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: #000000 1.5pt solid" width="8%" colSpan=8 noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD width="91%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="8%" colSpan=8 noWrap align=right><B><FONT size=1 face=Arial>December 31,</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="91%" noWrap align=left><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>2019</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>2018</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>2017</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="91%" noWrap align=left><FONT size=2 face=Arial>Return on average assets</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>1.35</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>1.27</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>0.87</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD></TR>
<TR vAlign=bottom>
   <TD width="91%" noWrap align=left><FONT size=2 face=Arial>Return on average equity</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>14.72</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>13.83</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>9.66</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD></TR>
<TR vAlign=bottom>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="91%" noWrap align=left><FONT size=2 face=Arial>Return on average common equity</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>14.72</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>13.83</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>9.66</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD></TR>
<TR vAlign=bottom>
   <TD width="91%" noWrap align=left><FONT size=2 face=Arial>Average equity to average assets ratio</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>9.16</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>9.15</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>8.98</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD></TR>
<TR vAlign=bottom>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="91%" noWrap align=left><FONT size=2 face=Arial>Tangible common equity to assets ratio</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>9.08</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>9.15</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>9.21</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD></TR></TABLE>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Under the capital adequacy guidelines, regulatory capital is classified into two tiers. These guidelines require an institution to maintain a certain level of Tier 1 and Tier 2 capital to risk-weighted assets. Tier 1 capital consists of common shareholders&#8217; equity, excluding the unrealized gain or loss on securities available for sale, minus certain intangible assets. In determining the amount of risk-weighted assets, all assets, including certain off-balance sheet assets, are multiplied by a risk-weight factor of 0% to 100% based on the risks believed to be inherent in the type of asset. Tier 2 capital consists of Tier 1 capital plus the general reserve for loan losses, subject to certain limitations. We are also required to maintain capital at a minimum level based on total average assets, which is known as the Tier 1 leverage ratio.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Regulatory capital rules adopted in July 2013 and fully-phased in as of January 1, 2019, which we refer to Basel III, impose minimum capital requirements for bank holding companies and banks. The Basel III rules apply to all national and state banks and savings associations regardless of size and bank holding companies and savings and loan holding companies other than &#8220;small bank holding companies,&#8221; generally holding companies with consolidated assets of less than $3 billion (such as the Company). In order to avoid restrictions on capital distributions or discretionary bonus payments to executives, a covered banking organization must maintain a &#8220;capital conservation buffer&#8221; on top of our minimum risk-based capital requirements. This buffer must consist solely of common equity Tier 1, but the buffer applies to all three measurements (common equity Tier 1, Tier 1 capital and total capital). The capital conservation buffer consists of an additional amount of CET1 equal to 2.5% of risk-weighted assets.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>To be considered &#8220;well-capitalized&#8221; for purposes of certain rules and prompt corrective action requirements, the Bank must maintain a minimum total risked-based capital ratio of at least 10%, a total Tier 1 capital ratio of at least 8%, a common equity Tier 1 capital ratio of at least 6.5%, and a leverage ratio of at least 5%. As of December 31, 2019, our capital ratios exceed these ratios and we remain &#8220;well capitalized.&#8221;</FONT></P>
<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>57</FONT></P>
<HR align=center SIZE=2 width="100%" noShade>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV>

<P align ="left"><font size=2 face=Arial><A HREF="#toc"><B>Table of Contents</B></A></FONT></P>


<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The following table summarizes the capital amounts and ratios of the Bank and the regulatory minimum requirements. </FONT><FONT size=2 face=Arial>See Note 23 to the Consolidated Financial Statements for ratios of the Company.</FONT></P>
<TABLE style="LINE-HEIGHT: 13.5pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>

<TR vAlign=bottom>
   <TD style="BORDER-TOP: #000000 1.5pt solid" width="100%" colSpan=19 noWrap align=left>&nbsp;</TD></TR>
<TR vAlign=bottom>
   <TD width="82%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="5%" colSpan=5 noWrap align=right><B><FONT size=1 face=Arial>To be well capitalized</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD width="82%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="5%" colSpan=5 noWrap align=right><B><FONT size=1 face=Arial>under prompt</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD width="82%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="5%" colSpan=5 noWrap align=right><B><FONT size=1 face=Arial>For capital</FONT></B></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="5%" colSpan=5 noWrap align=right><B><FONT size=1 face=Arial>corrective</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD width="82%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="5%" colSpan=5 noWrap align=right><B><FONT size=1 face=Arial>adequacy purposes</FONT></B></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="5%" colSpan=5 noWrap align=right><B><FONT size=1 face=Arial>action provisions</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD width="82%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Actual</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="5%" colSpan=5 noWrap align=right><B><FONT size=1 face=Arial>minimum (1)</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="5%" colSpan=5 noWrap align=right><B><FONT size=1 face=Arial>minimum</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="82%" noWrap align=left><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Amount</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=center>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Ratio</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Amount</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Ratio</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Amount</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Ratio</FONT></B></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="82%" noWrap align=left><B><FONT size=2 face=Arial>As of December 31, 2019</FONT></B></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD width="82%" noWrap align=left><FONT size=2 face=Arial>Total Capital (to risk weighted assets)</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>$</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>250,847</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>13.31</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>$</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>150,807</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>8.00</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>$</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>188,510</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>10.00</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="82%" noWrap align=left><FONT size=2 face=Arial>Tier 1 Capital (to risk weighted assets)</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>234,205</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>12.42</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>113,106</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>6.00</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>150,807</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>8.00</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD></TR>
<TR vAlign=bottom>
   <TD width="82%" noWrap align=left><FONT size=2 face=Arial>Common Equity Tier 1 (to risk weighted assets)</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>234,205</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>12.42</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>84,829</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>4.50</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>122,531</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>6.50</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="82%" noWrap align=left><FONT size=2 face=Arial>Tier 1 Capital (to average assets)</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>234,205</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>10.80</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>86,772</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>4.00</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>108,465</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>5.00</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD></TR>
<TR STYLE="background-color: Silver">
   <TD width="100%" colSpan=19>&nbsp;</TD></TR>
<TR vAlign=bottom>
   <TD width="82%" noWrap align=left><B><FONT size=2 face=Arial>As of December 31, 2018</FONT></B></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="82%" noWrap align=left><FONT size=2 face=Arial>Total Capital (to risk weighted assets)</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>198,195</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>12.16</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>130,368</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>8.00</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>162,960</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>10.00</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD></TR>
<TR vAlign=bottom>
   <TD width="82%" noWrap align=left><FONT size=2 face=Arial>Tier 1 Capital (to risk weighted assets)</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>182,433</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>11.20</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>97,776</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>6.00</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>130,368</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>8.00</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="82%" noWrap align=left><FONT size=2 face=Arial>Common Equity Tier 1 (to risk weighted assets)</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>182,433</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>11.20</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>73,332</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>4.50</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>105,924</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>6.50</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD></TR>
<TR vAlign=bottom>
   <TD width="82%" noWrap align=left><FONT size=2 face=Arial>Tier 1 Capital (to average assets)</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>182,433</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>9.84</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>74,126</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>4.00</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>92,658</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>5.00</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD></TR>
<TR>
   <TD width="100%" colSpan=19>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="82%" noWrap align=left><B><FONT size=2 face=Arial>As of December 31, 2017</FONT></B></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD width="82%" noWrap align=left><FONT size=2 face=Arial>Total Capital (to risk weighted assets)</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>175,016</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>12.99</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>107,749</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>8.00</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>134,686</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>10.00</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="82%" noWrap align=left><FONT size=2 face=Arial>Tier 1 Capital (to risk weighted assets)</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>159,493</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>11.84</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>80,812</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>6.00</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>107,749</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>8.00</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD></TR>
<TR vAlign=bottom>
   <TD width="82%" noWrap align=left><FONT size=2 face=Arial>Common Equity Tier 1 (to risk weighted assets)</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>159,493</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>11.84</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>60,609</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>4.50</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>87,546</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>6.50</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="82%" noWrap align=left><FONT size=2 face=Arial>Tier 1 Capital (to average assets)</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>159,493</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>10.04</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>63,573</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>4.00</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>79,466</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>5.00</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD></TR></TABLE>
<BR>
<TABLE style="LINE-HEIGHT: NORMAL; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>

<TR>
   <TD STYLE="vertical-align: top; width: 1%; white-space: nowrap; padding-right: 8pt"><FONT size=1 face=Arial>(1)</FONT></TD>
   <TD width="99%">
   <P align=justify><FONT size=1 face=Arial>Ratios do not include the capital conservation buffer of 2.5% in 2019, 1.875% in 2018 and 1.25% in 2017.</FONT></P></TD></TR></TABLE>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>On September 30, 2019, the Company sold and issued $23.0 million in aggregate principal amount of its 4.75% Fixed-to-Floating Rate Subordinated Notes due 2029 to eligible purchasers in a private offering. The Company intends to use the proceeds from the offering, which were approximately $22.5 million, for general corporate purposes, including providing capital to the Bank and supporting organic growth. The Notes rank junior in right to payment to the Company&#8217;s current and future senior indebtedness. The Notes are intended to qualify as Tier 2 capital for regulatory capital purposes for the Company.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The ability of the Company to pay cash dividends is dependent upon receiving cash in the form of dividends from the Bank. The dividends that may be paid by the Bank to the Company are subject to legal limitations and regulatory capital requirements.</FONT></P>
<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>Effect of Inflation and Changing Prices</FONT></B></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The effect of relative purchasing power over time due to inflation has not been taken into account in our consolidated financial statements. Rather, our financial statements have been prepared on an historical cost basis in accordance with generally accepted accounting principles.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Unlike most industrial companies, our assets and liabilities are primarily monetary in nature. Therefore, the effect of changes in interest rates will have a more significant impact on our performance than will the effect of changing prices and inflation in general. In addition, interest rates may generally increase as the rate of inflation increases, although not necessarily in the same magnitude. As discussed previously, we seek to manage the relationships between interest sensitive assets and liabilities in order to protect against wide rate fluctuations, including those resulting from inflation.</FONT></P>
<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>Off-Balance Sheet Risk</FONT></B></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Commitments to extend credit are agreements to lend to a client as long as the client has not violated any material condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require the payment of a fee. At December 31, 2019, unfunded commitments to extend credit were approximately $426.6 million, of which $105.0 million were at fixed rates and $321.7 million were at variable rates. At December 31, 2018, unfunded commitments to extend credit were $399.4 million, of which approximately $130.5 million were at fixed rates and $269.0 million were at variable rates. A significant portion of the unfunded commitments related to consumer equity lines of credit. Based on historical experience, we anticipate that a significant portion of these lines of credit will not be funded. We evaluate each client&#8217;s credit worthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by us upon extension of credit, is based on our credit evaluation of the borrower. The type of collateral varies but may include accounts receivable, inventory, property, plant and equipment, and commercial and residential real estate.</FONT></P>
<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>58</FONT></P>
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<P align ="left"><font size=2 face=Arial><A HREF="#toc"><B>Table of Contents</B></A></FONT></P>


<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>At December 31, 2019 and 2018, there were $9.9 million and $10.0 million of commitments under letters of credit, respectively. The credit risk and collateral involved in issuing letters of credit is essentially the same as that involved in extending loan facilities to clients. Since most of the letters of credit are expected to expire without being drawn upon, they do not necessarily represent future cash requirements.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Except as disclosed in this Annual Report, we are not involved in off-balance sheet contractual relationships, unconsolidated related entities that have off-balance sheet arrangements or transactions that could result in liquidity needs or other commitments that significantly impact earnings.</FONT></P>
<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>Market Risk and Interest Rate Sensitivity</FONT></B></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Market risk is the risk of loss from adverse changes in market prices and rates, which principally arises from interest rate risk inherent in our lending, investing, deposit gathering, and borrowing activities. Other types of market risks, such as foreign currency exchange rate risk and commodity price risk, do not generally arise in the normal course of our business.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>We actively monitor and manage our interest rate risk exposure in order to control the mix and maturities of our assets and liabilities utilizing a process we call asset/liability management. The essential purposes of asset/liability management are to ensure adequate liquidity and to maintain an appropriate balance between interest sensitive assets and liabilities in order to minimize potentially adverse impacts on earnings from changes in market interest rates. Our asset/liability management committee (&#8220;ALCO&#8221;) monitors and considers methods of managing exposure to interest rate risk. We have both an internal ALCO consisting of senior management that meets at various times during each month and a board ALCO that meets monthly. The ALCOs are responsible for maintaining the level of interest rate sensitivity of our interest sensitive assets and liabilities within board-approved limits.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>As of December 31, 2019, the following table summarizes the forecasted impact on net interest income using a base case scenario given upward and downward movements in interest rates of 100, 200, and 300 basis points based on forecasted assumptions of prepayment speeds, nominal interest rates and loan and deposit repricing rates. Estimates are based on current economic conditions, historical interest rate cycles and other factors deemed to be relevant. However, underlying assumptions may be impacted in future periods which were not known to management at the time of the issuance of the Consolidated Financial Statements. Therefore, management&#8217;s assumptions may or may not prove valid. No assurance can be given that changing economic conditions and other relevant factors impacting our net interest income will not cause actual occurrences to differ from underlying assumptions. In addition, this analysis does not consider any strategic changes to our balance sheet which management may consider as a result of changes in market conditions.</FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>

<TR vAlign=bottom>
   <TD style="BORDER-TOP: #000000 1.5pt solid" width="100%" colSpan=3 noWrap align=left>&nbsp;</TD></TR>
<TR vAlign=bottom>
   <TD width="98%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial>Change in net interest</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="98%" noWrap align=left><B><FONT size=1 face=Arial>Interest rate scenario</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial>income from base</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="98%" noWrap align=left><FONT size=2 face=Arial>Up 300 basis points</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>(2.31)%</FONT></TD></TR>
<TR vAlign=bottom>
   <TD width="98%" noWrap align=left><FONT size=2 face=Arial>Up 200 basis points</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>(1.25)%</FONT></TD></TR>
<TR vAlign=bottom>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="98%" noWrap align=left><FONT size=2 face=Arial>Up 100 basis points</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>(0.49)%</FONT></TD></TR>
<TR vAlign=bottom>
   <TD width="98%" noWrap align=left><FONT size=2 face=Arial>Base</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD></TR>
<TR vAlign=bottom>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="98%" noWrap align=left><FONT size=2 face=Arial>Down 100 basis points</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>4.04%</FONT></TD></TR>
<TR vAlign=bottom>
   <TD width="98%" noWrap align=left><FONT size=2 face=Arial>Down 200 basis points</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>6.55%</FONT></TD></TR>
<TR vAlign=bottom>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="98%" noWrap align=left><FONT size=2 face=Arial>Down 300 basis points</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>4.85%</FONT></TD></TR></TABLE>

<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>Contractual Obligations</FONT></B></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>We utilize a variety of short-term and long-term borrowings to supplement our supply of lendable funds, to assist in meeting deposit withdrawal requirements, and to fund growth of interest-earning assets in excess of traditional deposit growth. Certificates of deposit, structured repurchase agreements, FHLB advances, and subordinated debentures serve as our primary sources of such funds.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Obligations under noncancelable operating lease agreements are payable over several years with the longest obligation expiring in 2029. We do not feel that any existing noncancelable operating lease agreements are likely to materially impact our financial condition or results of operations in an adverse way. Contractual obligations relative to these agreements are noted in the table below. Option periods that we have not yet exercised are not included in this analysis as they do not represent contractual obligations until exercised.</FONT></P>
<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>59</FONT></P>
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<DIV style="PAGE-BREAK-BEFORE: always"></DIV>

<P align ="left"><font size=2 face=Arial><A HREF="#toc"><B>Table of Contents</B></A></FONT></P>


<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The following table provides payments due by period for obligations under long-term borrowings and operating lease obligations as of December 31, 2019.</FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>

<TR vAlign=bottom>
   <TD style="BORDER-TOP: #000000 1.5pt solid" width="87%" noWrap align=left>&nbsp;</TD>
   <TD style="BORDER-TOP: #000000 1.5pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: #000000 1.5pt solid" width="12%" colSpan=12 noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD width="87%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="12%" colSpan=12 noWrap align=right><B><FONT size=1 face=Arial>December 31, 2019</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD width="87%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="12%" colSpan=12 noWrap align=right><B><FONT size=1 face=Arial>Payments Due by Period</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD width="87%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" colSpan=2 noWrap align=right></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial>Over One</FONT></B></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial>Over Two</FONT></B></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial>Over Three</FONT></B></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial>After</FONT></B></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD width="87%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Within</FONT></B></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial>to Two</FONT></B></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial>to Three</FONT></B></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial>to Four</FONT></B></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial>Five</FONT></B></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="87%" noWrap align=left><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>One Year</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial>Years</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial>Years</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial>Years</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial>Years</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial>Total</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="87%" noWrap align=left><FONT size=2 face=Arial>Certificates of deposit</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>$</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>277,342</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>38,529</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>10,782</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>6,133</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>2,146</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>334,932</FONT></TD></TR>
<TR vAlign=bottom>
   <TD width="87%" noWrap align=left><FONT size=2 face=Arial>FHLB advances and other borrowings</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>110,000</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>110,000</FONT></TD></TR>
<TR vAlign=bottom>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="87%" noWrap align=left><FONT size=2 face=Arial>Subordinated debentures</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>36,403</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>36,403</FONT></TD></TR>
<TR vAlign=bottom>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="87%" noWrap align=left><FONT size=2 face=Arial>Operating lease obligations</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>2,103</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>2,152</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>1,400</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>1,273</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>18,709</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>25,637</FONT></TD></TR>
<TR vAlign=bottom>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="87%" noWrap align=left><FONT size=2 face=Arial>Total</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>$</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>389,445</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>40,681</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>12,182</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>7,406</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>57,258</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>506,972</FONT></TD></TR></TABLE>

<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>Accounting, Reporting, and Regulatory Matters</FONT></B></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>See Note 1 &#8211; Summary of Significant Accounting Policies and Activities in our &#8220;Notes to Consolidated Financial Statements&#8221; for a discussion on the effects of recently issued accounting pronouncements.</FONT></P>
<P style="TEXT-ALIGN: justify"><A NAME="Item7AQuantitativeandQualitativeDisclosuresaboutMarketRisk60"></A><B><U><FONT size=2 face=Arial>Item 7A. Quantitative and Qualitative Disclosures about Market Risk</FONT></U></B></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>See Item 7. Management&#8217;s Discussion and Analysis of Financial Condition and Results of Operations &#8211; Market Risk and Interest Rate Sensitivity and &#8211; Liquidity and Capital Resources.</FONT></P>
<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>60</FONT></P>
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<!-- Part 11 -->
<P align ="left"><font size=2 face=Arial><A HREF="#toc"><B>Table of Contents</B></A></FONT></P>


<P style="TEXT-ALIGN: left"><B><A NAME="Item8FinancialStatementsandSupplementaryData61"></A><U><FONT size=2 face=Arial>Item 8. Financial Statements and Supplementary Data</FONT></U></B></P>
<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>MANAGEMENT&#8217;S REPORT ON INTERNAL CONTROL OVER FINANCIAL REPORTING</FONT></P>
<P STYLE="text-align: justify"><FONT size=2 face=Arial>Management of Southern First Bancshares, Inc. is responsible for establishing and maintaining adequate internal control over financial reporting as defined in Rule 13a-15(f) of the Securities Exchange Act of 1934, as amended. The Company&#8217;s internal control over financial reporting is a process designed to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with accounting principles generally accepted in the U.S. The Company&#8217;s internal control over financial reporting includes those policies and procedures that (1) pertain to the maintenance of records, that in reasonable detail, accurately and fairly reflect the transactions and disposition of the Company&#8217;s assets; (2) provide reasonable assurance that transactions are recorded as necessary to permit the preparation of the financial statements in accordance with generally accepted accounting principles and that receipts and expenditures of the Company are being made only in accordance with the authorizations of the Company&#8217;s management and directors; and (3) provide reasonable assurance regarding prevention or timely detection of unauthorized acquisition, use or disposition of the Company&#8217;s assets that could have a material impact on the financial statements.</FONT></P>
<P STYLE="text-align: justify"><FONT size=2 face=Arial>Because of its inherent limitations, internal control over financial reporting may not prevent or detect misstatements. Also, projections of any evaluation of effectiveness to future periods are subject to the risk that controls may become inadequate due to changes in conditions, or that the degree of compliance with the policies and procedures may deteriorate.</FONT></P>
<P STYLE="text-align: justify"><FONT size=2 face=Arial>Management conducted an evaluation of the effectiveness of the internal control over financial reporting based on the framework in </FONT><I><FONT size=2 face=Arial>Internal Control &#8212; Integrated Framework </FONT></I><FONT size=2 face=Arial>issued by the Committee of Sponsoring Organizations of the Treadway Commission (&#8220;COSO&#8221;) in 2013. Based on this evaluation under the COSO criteria, management concluded that the internal control over financial reporting was effective as of December 31, 2019.</FONT></P>
<P STYLE="text-align: justify"><FONT size=2 face=Arial>The effectiveness of the internal control structure over financial reporting as of December 31, 2019 has been audited by Elliott Davis, LLC, an independent registered public accounting firm, as stated in their report included in this Annual Report on Form 10-K, which expresses an unqualified opinion on the effectiveness of the Company&#8217;s internal control over financial reporting as of December 31, 2019.</FONT></P>
<TABLE style="LINE-HEIGHT: normal; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>

<TR vAlign=bottom>
   <TD width="50%" noWrap align=left><FONT size=2 face=Arial>/s/ R. Arthur Seaver, Jr.</FONT></TD>
   <TD width="50%" noWrap align=left><FONT size=2 face=Arial>/s/ Michael D. Dowling</FONT></TD></TR>
<TR vAlign=bottom>
   <TD width="50%" noWrap align=left><FONT size=2 face=Arial>Chief Executive Officer</FONT></TD>
   <TD width="50%" noWrap align=left><FONT size=2 face=Arial>Chief Financial Officer</FONT></TD></TR>
<TR vAlign=bottom>
   <TD width="50%" noWrap align=left><FONT size=2 face=Arial>Southern First Bancshares, Inc.</FONT></TD>
   <TD width="50%" noWrap align=left><FONT size=2 face=Arial>Southern First Bancshares, Inc.</FONT></TD></TR></TABLE>

<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>61</FONT></P>
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<P align ="left"><font size=2 face=Arial><A HREF="#toc"><B>Table of Contents</B></A></FONT></P>


<P STYLE="text-align: center"><B><FONT size=2 face=Arial>Report of Independent Registered Public Accounting Firm</FONT></B></P>
<P style="TEXT-ALIGN: left"><FONT size=2 face=Arial>To the Shareholders and Board of Directors of<BR>Southern First Bancshares, Inc. and Subsidiary<BR>Greenville, South Carolina</FONT></P>
<P STYLE="text-align: justify"><B><FONT size=2 face=Arial>Opinion on the Internal Control Over Financial Reporting<BR></FONT></B><FONT size=2 face=Arial>We have audited Southern First Bancshares, Inc. and Subsidiary's (the &#8220;Company&#8221;) internal control over financial reporting as of December 31, 2019, based on criteria established in </FONT><I><FONT size=2 face=Arial>Internal Control &#8212; Integrated Framework </FONT></I><FONT size=2 face=Arial>issued by the Committee of Sponsoring Organizations of the Treadway Commission in 2013 (the &#8220;COSO criteria&#8221;). In our opinion, the Company maintained, in all material respects, effective internal control over financial reporting as of December 31, 2019, based on the COSO criteria.</FONT></P>
<P STYLE="text-align: justify"><FONT size=2 face=Arial>We have also audited, in accordance with the standards of the Public Company Accounting Oversight Board (United States) (PCAOB), the consolidated balance sheets of the Company as of December 31, 2019 and 2018 and the related consolidated statements of income, comprehensive income, shareholders&#8217; equity, and cash flows for each of the three years in the period ended December 31, 2019 of the Company and our report dated March 2, 2020 expressed an unqualified opinion.</FONT></P>
<P STYLE="text-align: justify"><B><FONT size=2 face=Arial>Basis for Opinion<BR></FONT></B><FONT size=2 face=Arial>The Company&#8217;s management is responsible for maintaining effective internal control over financial reporting and for its assessment of the effectiveness of internal control over financial reporting in the accompanying Management&#8217;s Report on Internal Control over Financial Reporting. Our responsibility is to express an opinion on the Company&#8217;s internal control over financial reporting based on our audit. We are a public accounting firm registered with the PCAOB and are required to be independent with respect to the Company in accordance with U.S. federal securities laws and the applicable rules and regulations of the Securities and Exchange Commission and the PCAOB.</FONT></P>
<P STYLE="text-align: justify"><FONT size=2 face=Arial>We conducted our audit in accordance with the standards of the PCAOB. Those standards require that we plan and perform the audit to obtain reasonable assurance about whether effective internal control over financial reporting was maintained in all material respects. Our audit included obtaining an understanding of internal control over financial reporting, assessing the risk that a material weakness exists, and testing and evaluating the design and operating effectiveness of internal control based on the assessed risk. Our audit also included performing such other procedures as we considered necessary in the circumstances. We believe that our audit provides a reasonable basis for our opinion.</FONT></P>
<P STYLE="text-align: justify"><B><FONT size=2 face=Arial>Definition and Limitations of Internal Control Over Financial Reporting<BR></FONT></B><FONT size=2 face=Arial>A company's internal control over financial reporting is a process designed to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles. A company's internal control over financial reporting includes those policies and procedures that (1) pertain to the maintenance of records that, in reasonable detail, accurately and fairly reflect the transactions and dispositions of the assets of the company; (2) provide reasonable assurance that transactions are recorded as necessary to permit preparation of financial statements in accordance with generally accepted accounting principles, and that receipts and expenditures of the company are being made only in accordance with authorizations of management and directors of the company; and (3) provide reasonable assurance regarding prevention or timely detection of unauthorized acquisition, use or disposition of the company's assets that could have a material effect on the financial statements.</FONT></P>
<P STYLE="text-align: justify"><FONT size=2 face=Arial>Because of its inherent limitations, internal control over financial reporting may not prevent or detect misstatements. Also, projections of any evaluation of effectiveness to future periods are subject to the risk that controls may become inadequate because of changes in conditions, or that the degree of compliance with the policies or procedures may deteriorate.</FONT></P>
<P style="TEXT-ALIGN: left"><FONT size=2 face=Arial>/s/ Elliott Davis, LLC</FONT></P>
<P style="TEXT-ALIGN: left"><FONT size=2 face=Arial>Greenville, South Carolina<BR>March 2, 2020</FONT></P>
<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>62</FONT></P>
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<P align ="left"><font size=2 face=Arial><A HREF="#toc"><B>Table of Contents</B></A></FONT></P>


<P style="TEXT-ALIGN: center"><B><FONT size=2 face=Arial>Report of Independent Registered Public Accounting Firm</FONT></B></P>
<P style="TEXT-ALIGN: left"><FONT size=2 face=Arial>To the Shareholders and Board of Directors of<BR>Southern First Bancshares, Inc. and Subsidiary<BR>Greenville, South Carolina</FONT></P>
<P style="TEXT-ALIGN: left"><B><FONT size=2 face=Arial>Opinion on the Financial Statements</FONT></B></P>
<P STYLE="text-align: justify"><FONT size=2 face=Arial>We have audited the accompanying consolidated balance sheets of Southern First Bancshares, Inc. and Subsidiary (the &#8220;Company&#8221;) as of December 31, 2019 and 2018, the related consolidated statements of income, comprehensive income, shareholders&#8217; equity, and cash flows for each of the three years in the period ended December 31, 2019, and the related notes to the consolidated financial statements and schedules (collectively, the &#8220;financial statements&#8221;). In our opinion, the financial statements present fairly, in all material respects, the financial position of the Company as of December 31, 2019 and 2018, and the results of its operations and its cash flows for each of the three years in the period ended December 31, 2019, in conformity with accounting principles generally accepted in the United States of America.</FONT></P>
<P STYLE="text-align: justify"><FONT size=2 face=Arial>We have also audited, in accordance with the standards of the Public Company Accounting Oversight Board (United States) (PCAOB), the Company's internal control over financial reporting as of December 31, 2019, based on criteria established in </FONT><I><FONT size=2 face=Arial>Internal Control &#8212; Integrated Framework </FONT></I><FONT size=2 face=Arial>issued by the Committee of Sponsoring Organizations of the Treadway Commission in 2013, and our report dated March 2, 2020 expressed an unqualified opinion on the effectiveness of the Company's internal control over financial reporting.</FONT></P>
<P style="TEXT-ALIGN: left"><B><FONT size=2 face=Arial>Basis for Opinion</FONT></B></P>
<P STYLE="text-align: justify"><FONT size=2 face=Arial>These financial statements are the responsibility of the Company&#8217;s management. Our responsibility is to express an opinion on the Company&#8217;s financial statements based on our audits. We are a public accounting firm registered with the PCAOB and are required to be independent with respect to the Company in accordance with U.S. federal securities laws and the applicable rules and regulations of the Securities and Exchange Commission and the PCAOB.</FONT></P>
<P STYLE="text-align: justify"><FONT size=2 face=Arial>We conducted our audits in accordance with the standards of the PCAOB. Those standards require that we plan and perform the audits to obtain reasonable assurance about whether the financial statements are free of material misstatement, whether due to error or fraud. Our audits included performing procedures to assess the risks of material misstatement of the financial statements, whether due to error or fraud, and performing procedures that respond to those risks. Such procedures included examining, on a test basis, evidence regarding the amounts and disclosures in the financial statements. Our audits also included evaluating the accounting principles used and significant estimates made by management, as well as evaluating the overall presentation of the financial statements. We believe that our audits provide a reasonable basis for our opinion.</FONT></P>
<P style="TEXT-ALIGN: left"><FONT size=2 face=Arial>/s/ Elliott Davis, LLC</FONT></P>
<P style="TEXT-ALIGN: left"><FONT size=2 face=Arial>We have served as the Company&#8217;s auditor since 1999.</FONT></P>
<P style="TEXT-ALIGN: left"><FONT size=2 face=Arial>Greenville, South Carolina<BR>March 2, 2020</FONT></P>
<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>63</FONT></P>
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<P align ="left"><font size=2 face=Arial><A HREF="#toc"><B>Table of Contents</B></A></FONT></P>


<P style="TEXT-ALIGN: center"><B><I><FONT size=2 face=Arial>SOUTHERN FIRST BANCSHARES, INC. AND SUBSIDIARY<BR>CONSOLIDATED BALANCE SHEETS</FONT></I></B></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>

<TR vAlign=bottom>
   <TD style="BORDER-TOP: #000000 1.5pt solid" width="91%" noWrap align=left></TD>
   <TD style="BORDER-TOP: #000000 1.5pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: #000000 1.5pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: #000000 1.5pt solid" width="2%" noWrap align=left></TD>
   <TD style="BORDER-TOP: #000000 1.5pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: #000000 1.5pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: #000000 1.5pt solid" width="2%" noWrap align=right>&nbsp;<B><FONT size=2 face=Arial></FONT></B></TD>
   <TD style="BORDER-TOP: #000000 1.5pt solid" width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD width="91%" noWrap align=left></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD colspan=5 style="BORDER-BOTTOM: #000000 1pt solid" width="2%" noWrap align=right><B><FONT size=2 face=Arial>December 31,</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="91%" noWrap align=left><FONT size=1 face=Arial>(dollars in thousands, except share data)</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD colspan=2 style="BORDER-BOTTOM: #000000 1pt solid" width="2%" noWrap align=right><B><FONT size=2 face=Arial>2019</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" noWrap align=right><B><FONT size=2 face=Arial>2018</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="91%" noWrap align=left><B><FONT size=2 face=Arial>ASSETS</FONT></B></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD width="91%" noWrap align=left><FONT size=2 face=Arial>Cash and cash equivalents:</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 91%; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Cash and due from banks</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"><FONT size=2 face=Arial>$</FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>19,196</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>17,434</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 91%; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Federal funds sold</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>89,256</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>35,882</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="padding-left: 15pt; border-bottom: #000000 1pt solid; width: 91%; text-align: left"><FONT size=2 face=Arial>Interest-bearing deposits with banks</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right; border-bottom: #000000 1pt solid"></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" noWrap align=right><FONT size=2 face=Arial>19,364</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" noWrap align=right><FONT size=2 face=Arial>19,557</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="padding-left: 30pt; border-bottom: #000000 1pt solid; width: 91%; text-align: left"><FONT size=2 face=Arial>Total cash and cash equivalents</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right; border-bottom: #000000 1pt solid"></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" noWrap align=right><FONT size=2 face=Arial>127,816</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" noWrap align=right><FONT size=2 face=Arial>72,873</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="91%" align=left><FONT size=2 face=Arial>Investment securities:</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 91%; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Investment securities available for sale</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>67,694</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>74,905</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="padding-left: 15pt; border-bottom: #000000 1pt solid; width: 91%; text-align: left"><FONT size=2 face=Arial>Other investments</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right; border-bottom: #000000 1pt solid"></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" noWrap align=right><FONT size=2 face=Arial>6,948</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" noWrap align=right><FONT size=2 face=Arial>4,121</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="padding-left: 30pt; border-bottom: #000000 1pt solid; width: 91%; text-align: left"><FONT size=2 face=Arial>Total investment securities</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right; border-bottom: #000000 1pt solid"></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" noWrap align=right><FONT size=2 face=Arial>74,642</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" noWrap align=right><FONT size=2 face=Arial>79,026</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="91%" align=left><FONT size=2 face=Arial>Mortgage loans held for sale</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>27,046</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>9,241</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD width="91%" align=left><FONT size=2 face=Arial>Loans</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,943,525</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,677,332</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="padding-left: 15pt; border-bottom: #000000 1pt solid; width: 91%; text-align: left"><FONT size=2 face=Arial>Less allowance for loan losses</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right; border-bottom: #000000 1pt solid"></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" noWrap align=right><FONT size=2 face=Arial>(16,642</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" noWrap align=right><FONT size=2 face=Arial>(15,762</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="padding-left: 30pt; border-bottom: #000000 1pt solid; width: 91%; text-align: left"><FONT size=2 face=Arial>Loans, net</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right; border-bottom: #000000 1pt solid"></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" noWrap align=right><FONT size=2 face=Arial>1,926,883</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" noWrap align=right><FONT size=2 face=Arial>1,661,570</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="91%" align=left><FONT size=2 face=Arial>Bank owned life insurance</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>40,011</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>34,010</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD width="91%" align=left><FONT size=2 face=Arial>Property and equipment, net</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>58,478</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>32,430</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="91%" align=left><FONT size=2 face=Arial>Deferred income taxes, net</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>4,275</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>4,020</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="91%" align=left><FONT size=2 face=Arial>Other assets</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right; border-bottom: #000000 1pt solid"></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" noWrap align=right><FONT size=2 face=Arial>8,044</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" noWrap align=right><FONT size=2 face=Arial>7,444</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="padding-left: 30pt; border-bottom: #000000 1.5pt solid; width: 91%; text-align: left"><FONT size=2 face=Arial>Total assets</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right; border-bottom: #000000 1.5pt solid"><FONT size=2 face=Arial>$</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="2%" noWrap align=right><FONT size=2 face=Arial>2,267,195</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="2%" noWrap align=right><FONT size=2 face=Arial>1,900,614</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD width="91%" align=left><B><FONT size=2 face=Arial>LIABILITIES</FONT></B></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="91%" align=left><FONT size=2 face=Arial>Deposits</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"><FONT size=2 face=Arial>$</FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,876,124</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,648,136</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD width="91%" align=left><FONT size=2 face=Arial>Federal Home Loan Bank advances and other borrowings</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>110,000</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>50,000</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="91%" align=left><FONT size=2 face=Arial>Subordinated debentures</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>35,890</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>13,403</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="91%" align=left><FONT size=2 face=Arial>Other liabilities</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right; border-bottom: #000000 1pt solid"></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" noWrap align=right><FONT size=2 face=Arial>39,321</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" noWrap align=right><FONT size=2 face=Arial>15,159</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="padding-left: 30pt; border-bottom: #000000 1.5pt solid; width: 91%; text-align: left"><FONT size=2 face=Arial>Total liabilities</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right; border-bottom: #000000 1.5pt solid"></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="2%" noWrap align=right><FONT size=2 face=Arial>2,061,335</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="2%" noWrap align=right><FONT size=2 face=Arial>1,726,698</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD width="91%" align=left><B><FONT size=2 face=Arial>SHAREHOLDERS&#8217; EQUITY</FONT></B></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="91%" align=left><FONT size=2 face=Arial>Preferred stock, par value $.01 per share, 10,000,000 shares authorized</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>
   <TD width="2%" noWrap align=right>-</TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right>-</TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD width="91%" align=left><FONT size=2 face=Arial>Common stock, par value $.01 per share, 10,000,000 shares authorized, 7,672,678 and 7,466,481 shares issued and outstanding at December 31, 2019 and 2018, respectively </FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>77</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>75</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="91%" align=left><FONT size=2 face=Arial>Nonvested restricted stock</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>(803</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>(741</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD width="91%" align=left><FONT size=2 face=Arial>Additional paid-in capital</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>106,152</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>102,625</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="91%" align=left><FONT size=2 face=Arial>Accumulated other comprehensive loss</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>(298</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>(917</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="91%" align=left><FONT size=2 face=Arial>Retained earnings</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right; border-bottom: #000000 1pt solid"></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" noWrap align=right><FONT size=2 face=Arial>100,732</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" noWrap align=right><FONT size=2 face=Arial>72,874</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="padding-left: 30pt; border-bottom: #000000 1.5pt solid; width: 91%; text-align: left"><FONT size=2 face=Arial>Total shareholders&#8217; equity</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right; border-bottom: #000000 1.5pt solid"></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="2%" noWrap align=right><FONT size=2 face=Arial>205,860</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="2%" noWrap align=right><FONT size=2 face=Arial>173,916</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="padding-left: 30pt; border-bottom: #000000 1.5pt solid; width: 91%; text-align: left"><FONT size=2 face=Arial>Total liabilities and shareholders&#8217; equity</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right; border-bottom: #000000 1.5pt solid"><FONT size=2 face=Arial>$</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="2%" noWrap align=right><FONT size=2 face=Arial>2,267,195</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="2%" noWrap align=right><FONT size=2 face=Arial>1,900,614</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left></TD></TR></TABLE>

<P style="TEXT-ALIGN: left"><FONT size=1 face=Arial>See notes to consolidated financial statements that are an integral part of these consolidated statements.</FONT></P>
<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>64</FONT></P>
<HR align=center SIZE=2 width="100%" noShade>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV>

<P align ="left"><font size=2 face=Arial><A HREF="#toc"><B>Table of Contents</B></A></FONT></P>


<P style="TEXT-ALIGN: center"><B><I><FONT size=2 face=Arial>SOUTHERN FIRST BANCSHARES, INC. AND SUBSIDIARY<BR>CONSOLIDATED STATEMENTS OF INCOME</FONT></I></B></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>

<TR vAlign=bottom>
   <TD style="BORDER-TOP: #000000 1.5pt solid" width="89%" noWrap align=left>&nbsp;</TD>
   <TD style="BORDER-TOP: #000000 1.5pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: #000000 1.5pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: #000000 1.5pt solid" width="9%" colSpan=6 noWrap align=right><B><FONT size=2 face=Arial></FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD width="89%" noWrap align=left></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="9%" colSpan=7 noWrap align=right><B><FONT size=2 face=Arial>For the years ended December 31,</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="89%" noWrap align=left><FONT size=1 face=Arial>(dollars in thousands, except per share data)</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD colspan=2 style="BORDER-BOTTOM: #000000 1pt solid" width="2%" noWrap align=right><B><FONT size=2 face=Arial>2019</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" noWrap align=right><B><FONT size=2 face=Arial>2018</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><FONT size=2 face=Arial></FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" noWrap align=right><B><FONT size=2 face=Arial>2017</FONT></B></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="89%" noWrap align=left><B><FONT size=2 face=Arial>Interest income</FONT></B></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Loans</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"><FONT size=2 face=Arial>$</FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>88,929</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>73,718</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>58,808</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Investment securities</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>2,101</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,801</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,617</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="padding-left: 15pt; border-bottom: #000000 1pt solid; width: 89%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Federal funds sold and interest-bearing deposits with banks</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="border-bottom: #000000 1pt solid; text-align: right"></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" noWrap align=right><FONT size=2 face=Arial>1,622</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" noWrap align=right><FONT size=2 face=Arial>1,138</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" noWrap align=right><FONT size=2 face=Arial>784</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="padding-left: 30pt; border-bottom: #000000 1pt solid; width: 89%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Total interest income</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="border-bottom: #000000 1pt solid; text-align: right"></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" noWrap align=right><FONT size=2 face=Arial>92,652</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" noWrap align=right><FONT size=2 face=Arial>76,657</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" noWrap align=right><FONT size=2 face=Arial>61,209</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD width="89%" noWrap align=left><B><FONT size=2 face=Arial>Interest expense</FONT></B></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Deposits</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>23,730</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>14,836</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>7,373</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="padding-left: 15pt; border-bottom: #000000 1pt solid; width: 89%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Borrowings</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="border-bottom: #000000 1pt solid; text-align: right"></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" noWrap align=right><FONT size=2 face=Arial>1,653</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" noWrap align=right><FONT size=2 face=Arial>1,669</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" noWrap align=right><FONT size=2 face=Arial>2,960</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="padding-left: 30pt; border-bottom: #000000 1pt solid; width: 89%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Total interest expense</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="border-bottom: #000000 1pt solid; text-align: right"></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" noWrap align=right><FONT size=2 face=Arial>25,383</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" noWrap align=right><FONT size=2 face=Arial>16,505</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" noWrap align=right><FONT size=2 face=Arial>10,333</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Net interest income</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>67,269</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>60,152</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>50,876</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="padding-left: 15pt; border-bottom: #000000 1pt solid; width: 89%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Provision for loan losses</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="border-bottom: #000000 1pt solid; text-align: right"></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" noWrap align=right><FONT size=2 face=Arial>2,300</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" noWrap align=right><FONT size=2 face=Arial>1,900</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" noWrap align=right><FONT size=2 face=Arial>2,000</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="padding-left: 15pt; border-bottom: #000000 1pt solid; width: 89%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Net interest income after provision for loan losses</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="border-bottom: #000000 1pt solid; text-align: right"></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" noWrap align=right><FONT size=2 face=Arial>64,969</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" noWrap align=right><FONT size=2 face=Arial>58,252</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" noWrap align=right><FONT size=2 face=Arial>48,876</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="89%" noWrap align=left><B><FONT size=2 face=Arial>Noninterest income</FONT></B></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Mortgage banking income</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>9,923</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>5,544</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>5,152</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Service fees on deposit accounts</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,061</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,040</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,168</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>ATM and debit card income</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,728</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,490</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,172</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Income from bank owned life insurance</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,001</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>878</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>811</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Gain on sale of investment securities, net</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>727</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>7</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>4</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Loss on extinguishment of debt</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>(1,496</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="padding-left: 15pt; border-bottom: #000000 1pt solid; width: 89%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Other income</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="border-bottom: #000000 1pt solid; text-align: right"></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" noWrap align=right><FONT size=2 face=Arial>2,039</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" noWrap align=right><FONT size=2 face=Arial>1,242</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" noWrap align=right><FONT size=2 face=Arial>1,030</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="padding-left: 30pt; border-bottom: #000000 1pt solid; width: 89%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Total noninterest income</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="border-bottom: #000000 1pt solid; text-align: right"></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" noWrap align=right><FONT size=2 face=Arial>14,983</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" noWrap align=right><FONT size=2 face=Arial>10,201</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" noWrap align=right><FONT size=2 face=Arial>9,337</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD width="89%" noWrap align=left><B><FONT size=2 face=Arial>Noninterest expenses</FONT></B></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Compensation and benefits</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>29,025</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>25,561</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>21,791</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Occupancy</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>5,527</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>5,049</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>4,121</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Outside service and data processing costs</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>4,187</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>3,302</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>3,158</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Insurance</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>813</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,284</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,146</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Professional fees</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,699</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,574</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,362</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Marketing</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>941</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>856</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>737</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="padding-left: 15pt; border-bottom: #000000 1pt solid; width: 89%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Other</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="border-bottom: #000000 1pt solid; text-align: right"></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" noWrap align=right><FONT size=2 face=Arial>2,281</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" noWrap align=right><FONT size=2 face=Arial>2,137</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" noWrap align=right><FONT size=2 face=Arial>2,237</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="padding-left: 30pt; border-bottom: #000000 1pt solid; width: 89%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Total noninterest expenses</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="border-bottom: #000000 1pt solid; text-align: right"></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" noWrap align=right><FONT size=2 face=Arial>44,473</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" noWrap align=right><FONT size=2 face=Arial>39,763</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" noWrap align=right><FONT size=2 face=Arial>34,552</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 30pt"><FONT size=2 face=Arial>Income before income tax expense</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>35,479</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>28,690</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>23,661</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="89%" noWrap align=left><B><FONT size=2 face=Arial>Income tax expense</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="border-bottom: #000000 1pt solid; text-align: right"></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" noWrap align=right><FONT size=2 face=Arial>7,621</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" noWrap align=right><FONT size=2 face=Arial>6,401</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" noWrap align=right><FONT size=2 face=Arial>10,616</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="89%" noWrap align=left><B><FONT size=2 face=Arial>Net income available to common shareholders</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="border-bottom: #000000 1pt solid; text-align: right"><FONT size=2 face=Arial>$</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" noWrap align=right><FONT size=2 face=Arial>27,858</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" noWrap align=right><FONT size=2 face=Arial>22,289</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" noWrap align=right><FONT size=2 face=Arial>13,045</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD width="89%" noWrap align=left><B><FONT size=2 face=Arial>Earnings per common share</FONT></B></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Basic</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"><FONT size=2 face=Arial>$</FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>3.70</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>3.02</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1.86</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="padding-left: 15pt; border-bottom: #000000 1pt solid; width: 89%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Diluted</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="border-bottom: #000000 1pt solid; text-align: right"><FONT size=2 face=Arial>$</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" noWrap align=right><FONT size=2 face=Arial>3.58</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" noWrap align=right><FONT size=2 face=Arial>2.88</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" noWrap align=right><FONT size=2 face=Arial>1.76</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="89%" noWrap align=left><B><FONT size=2 face=Arial>Weighted average common shares outstanding</FONT></B></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Basic</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="3%"  align=right><FONT size=2 face=Arial>7,528,283</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>7,384,200</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>7,005,703</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="padding-left: 15pt; border-bottom: #000000 1.5pt solid; width: 89%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Diluted</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="3%" align=right><FONT size=2 face=Arial>7,772,544</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="2%" noWrap align=right><FONT size=2 face=Arial>7,737,495</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="2%" noWrap align=right><FONT size=2 face=Arial>7,393,377</FONT></TD></TR></TABLE>

<P style="TEXT-ALIGN: left"><FONT size=1 face=Arial>See notes to consolidated financial statements that are an integral part of these consolidated statements.</FONT></P>
<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>65</FONT></P>
<HR align=center SIZE=2 width="100%" noShade>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV>

<P align ="left"><font size=2 face=Arial><A HREF="#toc"><B>Table of Contents</B></A></FONT></P>


<P style="TEXT-ALIGN: center"><B><I><FONT size=2 face=Arial>SOUTHERN FIRST BANCSHARES, INC. AND SUBSIDIARY<BR>CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME</FONT></I></B></P>
<TABLE CELLSPACING="0" CELLPADDING="0" BORDER="0" STYLE="line-height: 14pt; border-collapse: collapse; width: 100%">

<TR vAlign=bottom>
   <TD STYLE="border-top: #000000 1.5pt solid; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-top: #000000 1.5pt solid; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="border-top: #000000 1.5pt solid; white-space: nowrap; text-align: right"></TD>
   <TD COLSPAN="7" STYLE="border-top: #000000 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;<B><FONT size=2 face=Arial></FONT></B></TD>
   <TD STYLE="border-top: #000000 1.5pt solid; white-space: nowrap; text-align: left"></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD COLSPAN="8" STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"><B><FONT size=2 face=Arial>For the years ended December 31,</FONT></B></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD COLSPAN="2" STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"><B><FONT size=2 face=Arial>2019</FONT></B></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"><B><FONT size=2 face=Arial>2018</FONT></B></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"><B><FONT size=2 face=Arial>2017</FONT></B></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 87%; white-space: nowrap; text-align: left"><B><FONT size=2 face=Arial>Net income</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>$</FONT></TD>
   <TD STYLE="width: 2%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>27,858</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="width: 2%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>22,289</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="width: 2%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>13,045</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Other comprehensive income:</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Unrealized gain (loss) on securities available for sale:</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="white-space: nowrap; text-align: left; padding-left: 30pt"><FONT size=2 face=Arial>Unrealized holding gain (loss) arising during the period, pretax</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,510</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>(575</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial>)</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>191</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="white-space: nowrap; text-align: left; padding-left: 45pt"><FONT size=2 face=Arial>Tax (expense) benefit</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>(317</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial>)</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>120</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>(140</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial>)</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="white-space: nowrap; text-align: left; padding-left: 30pt"><FONT size=2 face=Arial>Reclassification of realized gain</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>(727</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial>)</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>(7</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial>)</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>(4</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial>)</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="padding-left: 45pt; border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Tax expense</FONT></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>153</FONT></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1</FONT></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1</FONT></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Other comprehensive income (loss)</FONT></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>619</FONT></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>(461</FONT></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>)</FONT></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>48</FONT></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="border-bottom: #000000 1.5pt solid; white-space: nowrap; text-align: left"><B><FONT size=2 face=Arial>Comprehensive income</FONT></B></TD>
   <TD STYLE="border-bottom: #000000 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>
   <TD STYLE="border-bottom: #000000 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;$</FONT></TD>
   <TD STYLE="border-bottom: #000000 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>28,477</FONT></TD>
   <TD STYLE="border-bottom: #000000 1.5pt solid; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-bottom: #000000 1.5pt solid; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-bottom: #000000 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>21,828</FONT></TD>
   <TD STYLE="border-bottom: #000000 1.5pt solid; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-bottom: #000000 1.5pt solid; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-bottom: #000000 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>13,093</FONT></TD>
   <TD STYLE="border-bottom: #000000 1.5pt solid; white-space: nowrap; text-align: left"></TD></TR></TABLE>

<P style="TEXT-ALIGN: left"><FONT size=1 face=Arial>See notes to consolidated financial statements that are an integral part of these consolidated statements.</FONT></P>
<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>66</FONT></P>
<HR align=center SIZE=2 width="100%" noShade>


<DIV style="PAGE-BREAK-BEFORE: always"></DIV>
<!-- Part 12 -->
<P align ="left"><font size=2 face=Arial><A HREF="#toc"><B>Table of Contents</B></A></FONT></P>


<P style="TEXT-ALIGN: center"><B><I><FONT size=2 face=Arial>SOUTHERN FIRST BANCSHARES, INC. AND SUBSIDIARY<BR>CONSOLIDATED STATEMENTS OF SHAREHOLDERS&#8217; EQUITY<BR>FOR THE YEARS ENDED DECEMBER 31, 2019, 2018 AND 2017</FONT></I></B></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE; letter-spacing: -0.4px" cellSpacing=0 cellPadding=0 width="100%" border=0>

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   <TD width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Accumulated</FONT></B></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
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<TR vAlign=bottom>
   <TD width="72%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
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   <TD width="1%" noWrap align=left></TD>
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   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>other</FONT></B></TD>
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   <TD width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD width="72%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
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   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Nonvested</FONT></B></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Additional</FONT></B></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>comprehensive</FONT></B></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
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   <TD width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD width="72%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="4%" colSpan=4 noWrap align=right><B><FONT size=1 face=Arial>Common stock</FONT></B></TD>
   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="4%" colSpan=4 noWrap align=right><B><FONT size=1 face=Arial>Preferred stock</FONT></B></TD>
   <TD width="1%" noWrap align=right>&nbsp;</TD>
   <TD width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>restricted</FONT></B></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>paid-in</FONT></B></TD>
   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>income</FONT></B></TD>
   <TD width="1%" noWrap align=right>&nbsp;</TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Retained</FONT></B></TD>
   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="72%" noWrap align=left><FONT size=1 face=Arial>(dollars in thousands, except share data)</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left>&nbsp;&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial>Shares</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right>&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Amount</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial>Shares</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right>&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Amount</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>stock</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>capital</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>(loss)</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right>&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Earnings</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Total</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="72%" noWrap align=left><B><FONT size=1 face=Arial>December 31, 2016</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial>6,463,789</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right>&nbsp;&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;$</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial>65</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right>&nbsp;&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial>-</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right>&nbsp;&nbsp;</TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left; border-bottom: #000000 1pt solid"><B><FONT size=1 face=Arial>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial>-</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right>&nbsp;&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;$</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial>(600</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left><B><FONT size=1 face=Arial>)</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left>&nbsp;&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial>&nbsp;&nbsp;$</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial>73,371</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left>&nbsp;&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;$</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial>(504</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left><B><FONT size=1 face=Arial>)</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left>&nbsp;&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial>&nbsp;$</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial>37,540</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left>&nbsp;&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial>$</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial>109,872</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="72%" noWrap align=left><FONT size=1 face=Arial>Net income</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>13,045</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>13,045</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD width="72%" noWrap align=left><FONT size=1 face=Arial>Net issuance of common stock</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>805,000</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>8</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>24,750</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>24,758</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="72%" noWrap align=left><FONT size=1 face=Arial>Proceeds from exercise of stock options</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>74,437</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>705</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>705</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD width="72%" noWrap align=left><FONT size=1 face=Arial>Issuance of restricted stock</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>4,625</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>(201</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>)</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>201</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="72%" noWrap align=left><FONT size=1 face=Arial>Compensation expense related to restricted stock, net of tax</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>299</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>299</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD width="72%" noWrap align=left><FONT size=1 face=Arial>Compensation expense related to stock options, net of tax</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>959</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>959</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="72%" noWrap align=left><FONT size=1 face=Arial>Other comprehensive income</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>48</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>48</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="72%" noWrap align=left><B><FONT size=1 face=Arial>December 31, 2017</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial>7,347,851</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial>73</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial>-</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial>-</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial>(502</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left><B><FONT size=1 face=Arial>)</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial>99,986</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial>(456</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left><B><FONT size=1 face=Arial>)</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial>50,585</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial>149,686</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="72%" noWrap align=left><FONT size=1 face=Arial>Net income</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>22,289</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>22,289</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD width="72%" noWrap align=left><FONT size=1 face=Arial>Proceeds from exercise of stock options</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>105,630</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>898</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>900</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="72%" noWrap align=left><FONT size=1 face=Arial>Issuance of restricted stock</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>13,000</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>(558</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=1 face=Arial>)</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>558</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD width="72%" noWrap align=left><FONT size=1 face=Arial>Compensation expense related to restricted stock, net of tax</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>319</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>319</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="72%" noWrap align=left><FONT size=1 face=Arial>Compensation expense related to stock options, net of tax</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>1,183</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>1,183</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="72%" noWrap align=left><FONT size=1 face=Arial>Other comprehensive loss</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=1 face=Arial>(461</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left><FONT size=1 face=Arial>)</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=1 face=Arial>(461</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left><FONT size=1 face=Arial>)</FONT></TD></TR>
<TR vAlign=bottom>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="72%" noWrap align=left><B><FONT size=1 face=Arial>December 31, 2018</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><B><FONT size=1 face=Arial>7,466,481</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><B><FONT size=1 face=Arial>75</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><B><FONT size=1 face=Arial>-</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><B><FONT size=1 face=Arial>-</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><B><FONT size=1 face=Arial>(741</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><B><FONT size=1 face=Arial>)</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><B><FONT size=1 face=Arial>102,625</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><B><FONT size=1 face=Arial>(917</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><B><FONT size=1 face=Arial>)</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><B><FONT size=1 face=Arial>72,874</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><B><FONT size=1 face=Arial>173,916</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD width="72%" noWrap align=left><FONT size=1 face=Arial>Net income</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>27,858</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>27,858</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="72%" noWrap align=left><FONT size=1 face=Arial>Proceeds from exercise of stock options</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>191,497</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>2</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>1,767</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>1,769</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD width="72%" noWrap align=left><FONT size=1 face=Arial>Issuance of restricted stock</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>14,700</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>(490</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>)</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>490</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="72%" noWrap align=left><FONT size=1 face=Arial>Compensation expense related to restricted stock, net of tax</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>428</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>428</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD width="72%" noWrap align=left><FONT size=1 face=Arial>Compensation expense related to stock options, net of tax</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,270</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,270</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="72%" noWrap align=left><FONT size=1 face=Arial>Other comprehensive income</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>619</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>619</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid; BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="72%" noWrap align=left><B><FONT size=1 face=Arial>December 31, 2019</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial>7,672,678</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial>$</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial>77</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial>-</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="border-bottom: #000000 1.5pt solid; text-align: left"><B><FONT size=1 face=Arial>$</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial>-</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial>$</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial>(803</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left><B><FONT size=1 face=Arial>)</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial>$</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial>106,152</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial>$</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial>(298</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left><B><FONT size=1 face=Arial>)</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial>$</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial>100,732</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right>&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial>$</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial>205,860</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left></TD></TR></TABLE>

<P style="TEXT-ALIGN: justify"><FONT size=1 face=Arial>See notes to consolidated financial statements that are an integral part of these consolidated statements.</FONT></P>
<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>67</FONT></P>
<HR align=center SIZE=2 width="100%" noShade>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV>

<P align ="left"><font size=2 face=Arial><A HREF="#toc"><B>Table of Contents</B></A></FONT></P>


<P style="TEXT-ALIGN: center"><B><I><FONT size=2 face=Arial>SOUTHERN FIRST BANCSHARES, INC. AND SUBSIDIARY<BR></FONT></I></B><B><I><FONT size=2 face=Arial>CONSOLIDATED STATEMENTS OF CASH FLOWS</FONT></I></B></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>

<TR STYLE="vertical-align: bottom">
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD COLSPAN="9" STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD></TR>
<TR vAlign=bottom>
   <TD width="90%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD COLSPAN="9" STYLE="width: 9%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=2 face=Arial>For the years ended December 31,</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 90%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=2 face=Arial>2019</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=2 face=Arial>2018</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=2 face=Arial>2017</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 90%; white-space: nowrap; text-align: left; background-color: Silver"><B><FONT size=1 face=Arial>Operating activities</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 90%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Net income</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>$</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>27,858</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>22,289</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>13,045</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 15pt; width: 90%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face=Arial>Adjustments to reconcile net income to cash provided by operating activities:</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 90%; white-space: nowrap; text-align: left; padding-left: 30pt"><FONT size=1 face=Arial>Provision for loan losses</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2,300</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,900</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2,000</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 30pt; width: 90%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face=Arial>Depreciation and other amortization</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face=Arial>1,888</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face=Arial>1,755</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face=Arial>1,460</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 90%; white-space: nowrap; text-align: left; padding-left: 30pt"><FONT size=1 face=Arial>Accretion and amortization of securities discounts and premiums, net</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>432</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>437</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>582</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 30pt; width: 90%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face=Arial>Gain on sale of investment securities available for sale</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face=Arial>(727</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face=Arial>)</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face=Arial>(7</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face=Arial>)</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face=Arial>(4</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face=Arial>)</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 90%; white-space: nowrap; text-align: left; padding-left: 30pt"><FONT size=1 face=Arial>Net change in operating leases</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>585</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 30pt; width: 90%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face=Arial>Compensation expense related to stock options and restricted stock grants</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face=Arial>1,698</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face=Arial>1,502</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face=Arial>1,258</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 90%; white-space: nowrap; text-align: left; padding-left: 30pt"><FONT size=1 face=Arial>Gain on sale of loans held for sale</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>(10,219</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>)</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>(5,144</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>)</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>(5,752</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>)</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 30pt; width: 90%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face=Arial>Loans originated and held for sale</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face=Arial>(380,632</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face=Arial>)</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face=Arial>(204,429</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face=Arial>)</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face=Arial>(192,347</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face=Arial>)</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 90%; white-space: nowrap; text-align: left; padding-left: 30pt"><FONT size=1 face=Arial>Proceeds from sale of loans held for sale</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>373,046</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>212,122</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>194,110</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 30pt; width: 90%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face=Arial>Increase in cash surrender value of bank owned life insurance</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face=Arial>(1,001</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face=Arial>)</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face=Arial>(878</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face=Arial>)</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face=Arial>(811</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face=Arial>)</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 90%; white-space: nowrap; text-align: left; padding-left: 30pt"><FONT size=1 face=Arial>(Increase) decrease in deferred tax asset</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>(420</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>)</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>(115</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>)</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2,904</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 30pt; width: 90%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face=Arial>(Increase) decrease in other assets, net</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face=Arial>(600</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face=Arial>)</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face=Arial>325</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face=Arial>(1,183</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face=Arial>)</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 30pt; width: 90%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>Increase in other liabilities, net</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>4,074</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>1,946</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>1,931</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 45pt; background-color: Silver; width: 90%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>Net cash provided by operating activities</FONT></TD>
   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>18,282</FONT></TD>
   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>31,703</FONT></TD>
   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>17,193</FONT></TD>
   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD></TR>
<TR vAlign=bottom>
   <TD width="90%" noWrap align=left><B><FONT size=1 face=Arial>Investing activities</FONT></B></TD>
   <TD width="1%" noWrap align=left><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 15pt; width: 90%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face=Arial>Increase (decrease) in cash realized from:</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 90%; white-space: nowrap; text-align: left; padding-left: 30pt"><FONT size=1 face=Arial>Increase in loans, net</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>(267,613</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>)</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>(291,923</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>)</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>(225,047</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>)</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 30pt; width: 90%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face=Arial>Purchase of property and equipment</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face=Arial>(8,431</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face=Arial>)</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face=Arial>(1,943</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face=Arial>)</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face=Arial>(5,381</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face=Arial>)</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 90%; white-space: nowrap; text-align: left; padding-left: 30pt"><FONT size=1 face=Arial>Purchase of investment securities:</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 45pt; width: 90%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face=Arial>Available for sale</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face=Arial>(39,930</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face=Arial>)</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face=Arial>(23,181</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face=Arial>)</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face=Arial>(21,972</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face=Arial>)</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 90%; white-space: nowrap; text-align: left; padding-left: 45pt"><FONT size=1 face=Arial>Other investments</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>(4,675</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>)</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>(46</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>)</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>(3,086</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>)</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 30pt; width: 90%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face=Arial>Proceeds from maturities, calls and repayments of investment securities:</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 90%; white-space: nowrap; text-align: left; padding-left: 45pt"><FONT size=1 face=Arial>Available for sale</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>19,212</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>9,025</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>9,644</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 45pt; width: 90%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face=Arial>Other investments</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face=Arial>1,848</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face=Arial>387</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face=Arial>4,366</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 90%; white-space: nowrap; text-align: left; padding-left: 30pt"><FONT size=1 face=Arial>Proceeds from sale of investment securities available for sale</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>29,006</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>5,841</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>8,813</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 30pt; background-color: Silver; width: 90%; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>Purchase of life insurance policies</FONT></TD>
   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>(5,000</FONT></TD>
   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>)</FONT></TD>
   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>-</FONT></TD>
   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>(6,850</FONT></TD>
   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>)</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 30pt; border-bottom: Black 1pt solid; width: 90%; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>Proceeds from sale of other real estate owned</FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>-</FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>132</FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>498</FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 45pt; border-bottom: Black 1pt solid; width: 90%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face=Arial>Net cash used for investing activities</FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face=Arial>(275,583</FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face=Arial>)</FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face=Arial>(301,708</FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face=Arial>)</FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face=Arial>(239,015</FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face=Arial>)</FONT></TD></TR>
<TR vAlign=bottom>
   <TD width="90%" noWrap align=left><B><FONT size=1 face=Arial>Financing activities</FONT></B></TD>
   <TD width="1%" noWrap align=left><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 15pt; width: 90%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face=Arial>Increase (decrease) in cash realized from:</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 90%; white-space: nowrap; text-align: left; padding-left: 30pt"><FONT size=1 face=Arial>Increase in deposits, net</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>227,988</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>267,013</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>289,972</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 30pt; width: 90%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face=Arial>Increase (decrease) in Federal Home Loan Bank advances and other borrowings</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face=Arial>60,000</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face=Arial>(17,200</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face=Arial>)</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face=Arial>(48,000</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face=Arial>)</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 90%; white-space: nowrap; text-align: left; padding-left: 30pt"><FONT size=1 face=Arial>Increase of subordinated debt</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>22,487</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 30pt; width: 90%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face=Arial>Issuance of common stock</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face=Arial>-</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face=Arial>-</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face=Arial>24,758</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 30pt; width: 90%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>Proceeds from the exercise of stock options</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>1,769</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>900</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>705</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 45pt; background-color: Silver; width: 90%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>Net cash provided by financing activities</FONT></TD>
   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>312,244</FONT></TD>
   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>250,713</FONT></TD>
   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>267,435</FONT></TD>
   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 90%; white-space: nowrap; text-align: left; padding-left: 45pt"><FONT size=1 face=Arial>Net increase (decrease) in cash and cash equivalents</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>54,943</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>(19,292</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>)</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>45,613</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="background-color: Silver; width: 90%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Cash and cash equivalents, beginning of year</FONT></B></TD>
   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>72,873</FONT></TD>
   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>92,165</FONT></TD>
   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>46,552</FONT></TD>
   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 90%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Cash and cash equivalents, end of year</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>$</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>127,816</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>72,873</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>92,165</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 90%; white-space: nowrap; text-align: left; background-color: Silver"><B><FONT size=1 face=Arial>Supplemental information</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 90%; white-space: nowrap; text-align: left; padding-left: 15pt"><B><FONT size=1 face=Arial>Cash paid for</FONT></B></TD>
   <TD width="1%" noWrap align=left><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 30pt; width: 90%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face=Arial>Interest</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face=Arial>$</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face=Arial>25,156</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face=Arial>15,410</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face=Arial>9,987</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 30pt; width: 90%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>Income taxes</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>7,883</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>5,451</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>8,390</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 15pt; width: 90%; white-space: nowrap; text-align: left; background-color: Silver"><B><FONT size=1 face=Arial>Schedule of non-cash transactions</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 90%; white-space: nowrap; text-align: left; padding-left: 30pt"><FONT size=1 face=Arial>Foreclosure of other real estate</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>288</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 30pt; width: 90%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face=Arial>Unrealized (gain) loss on securities, net of income taxes</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face=Arial>(1,193</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face=Arial>)</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face=Arial>455</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face=Arial>(51</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face=Arial>)</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 90%; white-space: nowrap; text-align: left; padding-left: 30pt"><FONT size=1 face=Arial>Right-of-use assets obtained in exchange for lease obligations:</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="border-bottom: Black 1.5pt solid; padding-left: 45pt; background-color: Silver; width: 90%; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>Operating leases</FONT></TD>
   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>21,459</FONT></TD>
   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>-</FONT></TD>
   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>-</FONT></TD>
   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD></TR></TABLE>

<P style="TEXT-ALIGN: center"><FONT size=1 face=Arial>See notes to consolidated financial statements that are an integral part of these consolidated statements.</FONT></P>
<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>68</FONT></P>
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<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>NOTE 1 &#8211; Summary of Significant Accounting Policies and Activities</FONT></B></P>
<P style="TEXT-ALIGN: justify"><B><I><FONT size=2 face=Arial>Southern First Bancshares, Inc. </FONT></I></B><FONT size=2 face=Arial>(the "Company") is a South Carolina corporation that owns all of the capital stock of Southern First Bank (the "Bank") and all of the stock of Greenville First Statutory Trust I and II (collectively, the "Trusts"). The Trusts are special purpose non-consolidated entities organized for the sole purpose of issuing trust preferred securities. The Bank's primary federal regulator is the Federal Deposit Insurance Corporation (the "FDIC"). The Bank is also regulated and examined by the South Carolina Board of Financial Institutions. The Bank is primarily engaged in the business of accepting demand deposits and savings deposits insured by the FDIC, and providing commercial, consumer and mortgage loans to the general public.</FONT></P>
<P style="TEXT-ALIGN: justify"><I><FONT size=2 face=Arial>Basis of Presentation</FONT></I></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The accompanying consolidated financial statements include the accounts of the Company and its wholly owned subsidiary, Southern First Bank. In consolidation, all significant intercompany transactions have been eliminated. The accounting and reporting policies conform to accounting principles generally accepted in the United States of America. In accordance with guidance issued by the Financial Accounting Standards Board (&#8220;FASB&#8221;), the operations of the Trusts have not been consolidated in these financial statements.</FONT></P>
<P style="TEXT-ALIGN: justify"><I><FONT size=2 face=Arial>Business Segments</FONT></I></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>ASC Topic 280-10, &#8220;Segment Reporting,&#8221; requires selected segment information of operating segments based on a management approach. The Company&#8217;s three reportable segments represent the distinct product lines the Company offers and are viewed separately for strategic planning by management. Please refer to &#8220;Note 24 &#8211; Reportable Segments&#8221; for further information on the reporting for the Company&#8217;s three business segments.</FONT></P>
<P style="TEXT-ALIGN: justify"><I><FONT size=2 face=Arial>Use of Estimates</FONT></I></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The preparation of consolidated financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities as of the date of the consolidated financial statements and the reported amount of income and expenses during the reporting periods. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for loan losses, derivatives, real estate acquired in settlement of loans, fair value of financial instruments, evaluating other-than-temporary-impairment of investment securities and valuation of deferred tax assets.</FONT></P>
<P style="TEXT-ALIGN: justify"><I><FONT size=2 face=Arial>Risks and Uncertainties</FONT></I></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>In the normal course of its business, the Company encounters two significant types of risks: economic and regulatory. There are three main components of economic risk: interest rate risk, credit risk and market risk. The Company is subject to interest rate risk to the degree that its interest-bearing liabilities mature or reprice at different speeds, or on different bases, than its interest-earning assets. Credit risk is the risk of default within the Company&#8217;s loan portfolio that results from borrowers&#8217; inability or unwillingness to make contractually required payments. Market risk reflects changes in the value of collateral underlying loans receivable and the valuation of real estate held by the Company.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The Company is subject to the regulations of various governmental agencies. These regulations can and do change significantly from period to period. The Company also undergoes periodic examinations by the regulatory agencies, which may subject it to changes with respect to valuation of assets, amount of required loan loss allowance and operating restrictions resulting from the regulators&#8217; judgments based on information available to them at the time of their examinations.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The Bank makes loans to individuals and businesses in the Upstate, Midlands, and Lowcountry regions of South Carolina as well as the Triangle and Triad regions of North Carolina and Atlanta, Georgia for various personal and commercial purposes. The Bank&#8217;s loan portfolio has a concentration of real estate loans. As of December 31, 2019 and 2018, real estate loans represented 82.8% and 82.3%, respectively, of total loans. However, borrowers&#8217; ability to repay their loans is not dependent upon any specific economic sector.</FONT></P>
<P style="TEXT-ALIGN: justify"><I><FONT size=2 face=Arial>Subsequent Events</FONT></I></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Subsequent events are events or transactions that occur after the balance sheet date but before financial statements are issued. Recognized subsequent events are events or transactions that provide additional evidence about conditions that existed at the date of the balance sheet, including the estimates inherent in the process of preparing financial statements. Non-recognized subsequent events are events that provide evidence about conditions that did not exist at the date of the balance sheet but arose after that date. Management performed an evaluation to determine whether there have been any subsequent events since the balance sheet date and determined that no subsequent events occurred requiring accrual or disclosure.</FONT></P>
<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>69</FONT></P>
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<P style="TEXT-ALIGN: justify"><I><FONT size=2 face=Arial>Reclassifications</FONT></I></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Certain amounts, previously reported, have been reclassified to state all periods on a comparable basis and had no effect on shareholders&#8217; equity or net income.</FONT></P>
<P style="TEXT-ALIGN: justify"><I><FONT size=2 face=Arial>Cash and Cash Equivalents</FONT></I></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Cash and cash equivalents include cash and due from banks, interest bearing deposits and federal funds sold. Cash and cash equivalents have original maturities of three months or less, and federal funds sold are generally purchased and sold for one-day periods. Accordingly, the carrying value of these instruments is deemed to be a reasonable estimate of fair value. At December 31, 2019 and 2018, included in cash and cash equivalents was $6.0 million and $4.9 million, respectively, on deposit with the Federal Reserve Bank.</FONT></P>
<P style="TEXT-ALIGN: justify"><I><FONT size=2 face=Arial>Investment Securities</FONT></I></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>We classify our investment securities as held to maturity securities, trading securities and available for sale securities as applicable.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Investment securities are designated as held to maturity if we have the intent and the ability to hold the securities to maturity. Held to maturity securities are carried at amortized cost, adjusted for the amortization of any related premiums or the accretion of any related discounts into interest income using a methodology which approximates a level yield of interest over the estimated remaining period until maturity. Unrealized losses on held to maturity securities, reflecting a decline in value judged by us to be other than temporary, are charged to income in the Consolidated Statements of Income.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Investment securities that are purchased and held principally for the purpose of selling in the near term are reported as trading securities. Trading securities are carried at fair value with unrealized holding gains and losses included in earnings.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>We classify investment securities as available for sale when at the time of purchase we determine that such securities may be sold at a future date or if we do not have the intent or ability to hold such securities to maturity. Securities designated as available for sale are recorded at fair value. Changes in the fair value of available for sale debt securities are included in shareholders&#8217; equity as unrealized gains or losses, net of the related tax effect. Unrealized losses on available for sale securities, reflecting a decline in value judged to be other than temporary, are charged to income in the Consolidated Statements of Income. Realized gains or losses on available for sale securities are computed on the specific identification basis.</FONT></P>
<P style="TEXT-ALIGN: justify"><I><FONT size=2 face=Arial>Other Investments</FONT></I></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The Bank, as a member institution, is required to own a stock investment in the Federal Home Loan Bank of Atlanta (&#8220;FHLB&#8221;). This stock is generally pledged against any borrowings from the FHLB and cash dividends on our FHLB stock are recorded in investment income. No ready market exists for these stocks and they have no quoted market value. However, redemption of this stock has historically been at par value. Other investments also include a $403,000 investment in the Trusts.</FONT></P>
<P style="TEXT-ALIGN: justify"><I><FONT size=2 face=Arial>Loans</FONT></I></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Loans are stated at the principal balance outstanding. Unamortized net loan fees and the allowance for possible loan losses are deducted from total loans on the balance sheets. Interest income is recognized over the term of the loan based on the principal amount outstanding. The net of loan origination fees received and direct costs incurred in the origination of loans is deferred and amortized to interest income over the contractual life of the loans adjusted for actual principal prepayments using a method approximating the interest method.</FONT></P>
<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>70</FONT></P>
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<P style="TEXT-ALIGN: justify"><I><FONT size=2 face=Arial>Nonaccrual and Past Due Loans</FONT></I></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Loans are generally placed on nonaccrual status when principal or interest becomes 90 days past due, or when payment in full is not anticipated. When a loan is placed on nonaccrual status, interest accrued but not received is generally reversed against interest income. Cash receipts on nonaccrual loans are not recorded as interest income, but are used to reduce the loan&#8217;s principal balance. A nonaccrual loan is generally returned to accrual status and accrual of interest is resumed when payments have been made according to the terms and conditions of the loan for a continuous six month period. Our loans are considered past due when contractually required principal or interest payments have not been made on the due dates.</FONT></P>
<P style="TEXT-ALIGN: justify"><I><FONT size=2 face=Arial>Nonperforming Assets</FONT></I></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Nonperforming assets include real estate acquired through foreclosure or deed taken in lieu of foreclosure, loans on nonaccrual status and loans past due 90 days or more and still accruing interest. Loans are placed on nonaccrual status when, in the opinion of management, the collection of additional interest is uncertain. Thereafter no interest is taken into income until such time as the borrower demonstrates the ability to pay both principal and interest.</FONT></P>
<P style="TEXT-ALIGN: justify"><I><FONT size=2 face=Arial>Impaired Loans</FONT></I></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Our impaired loans include loans on nonaccrual status and loans modified in a troubled debt restructuring (&#8220;TDR&#8221;), whether on accrual or nonaccrual status. For loans that are classified as impaired, an allowance is established when the fair value (discounted cash flows, collateral value, or observable market price) of the impaired loan less costs to sell, are lower than the carrying value of that loan. A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due, among other factors. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including, without limitation, the length of the delay, the reasons for the delay, the borrower's prior payment record, and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan by loan basis for commercial and consumer loans by either the present value of expected future cash flows discounted at the loan's effective interest rate, the loan's obtainable market price, or the fair value of the collateral if the loan is collateral dependent.</FONT></P>
<P style="TEXT-ALIGN: justify"><I><FONT size=2 face=Arial>Loan Charge-off Policy</FONT></I></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>For commercial loans, we generally fully charge off or charge collateralized loans down to net realizable value when management determines the loan to be uncollectible; repayment is deemed to be projected beyond reasonable time frames; the loan has been classified as a loss by either our internal loan review process or our banking regulatory agencies; the client has filed bankruptcy and the loss becomes evident owing to a lack of assets; or the loan is 120 days past due unless both well-secured and in the process of collection. For consumer loans, we generally charge down to net realizable value when the loan is 180 days past due.</FONT></P>
<P style="TEXT-ALIGN: justify"><I><FONT size=2 face=Arial>Troubled Debt Restructuring (TDRs)</FONT></I></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The Company considers a loan to be a TDR when the debtor experiences financial difficulties and the Company provides concessions such that we will not collect all principal and interest in accordance with the original terms of the loan agreement. Concessions can relate to the contractual interest rate, maturity date, or payment structure of the note. As part of our workout plan for individual loan relationships, we may restructure loan terms to assist borrowers facing challenges in the current economic environment.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Our policy with respect to accrual of interest on loans restructured in a TDR follows relevant supervisory guidance. That is, if a borrower has demonstrated performance under the previous loan terms and shows capacity to perform under the restructured loan terms; continued accrual of interest at the restructured interest rate is likely. If a borrower was materially delinquent on payments prior to the restructuring, but shows capacity to meet the restructured loan terms, the loan will likely continue as nonaccrual going forward. Lastly, if the borrower does not perform under the restructured terms, the loan is placed on nonaccrual status. We will continue to closely monitor these loans and will cease accruing interest on them if management believes that the borrowers may not continue performing based on the restructured note terms. If, after previously being classified as a TDR, a loan is restructured a second time and the borrower continues to experience financial difficulties, then that loan is automatically placed on nonaccrual status. Our policy with respect to nonperforming loans requires the borrower to make a minimum of six consecutive payments of principal and interest in accordance with the loan terms before that loan can be placed back on accrual status. Further, the borrower must show capacity to continue performing into the future prior to restoration of accrual status. In addition, our policy, in accordance with supervisory guidance, also provides for a loan to be removed from TDR status if the loan is modified or renewed at terms consistent with current market rates and the loan has been performing under modified terms for an extended period of time or under certain circumstances.</FONT></P>
<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>71</FONT></P>
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<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>In the determination of the allowance for loan losses, management considers TDRs on commercial and consumer loans and subsequent defaults in these restructurings by measuring impairment, on a loan by loan basis, based on either the present value of expected future cash flows discounted at the loan's effective interest rate, the loan's obtainable market price, or the fair value of the collateral, less costs to sell, if the loan is collateral dependent.</FONT></P>
<P style="TEXT-ALIGN: justify"><I><FONT size=2 face=Arial>Allowance for Loan Losses</FONT></I></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The allowance for loan losses is management&#8217;s estimate of credit losses inherent in the loan portfolio. The allowance for loan losses is established as losses are estimated to have occurred through a provision for loan losses charged to earnings. Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. The allowance for loan losses is evaluated on a regular basis by management and is based upon management&#8217;s periodic review of the collectability of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower&#8217;s ability to repay, the estimated value of any underlying collateral and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>We have an established process to determine the adequacy of the allowance for loan losses that assesses the losses inherent in our portfolio. While we attribute portions of the allowance to specific portfolio segments, the entire allowance is available to absorb credit losses inherent in the total loan portfolio. Our process involves procedures to appropriately consider the unique risk characteristics of our commercial and consumer loan portfolio segments. For each portfolio segment, impairment is measured individually for each impaired loan. Our allowance levels are influenced by loan volume, loan grade or delinquency status, historic loss experience and other economic conditions. See Note 4 to the Consolidated Financial Statements for additional information on the allowance for loan losses.</FONT></P>
<P style="TEXT-ALIGN: justify"><I><FONT size=2 face=Arial>Other Real Estate Owned</FONT></I></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Real estate acquired through foreclosure is initially recorded at the lower of cost or estimated fair value less selling costs. Subsequent to the date of acquisition, it is carried at the lower of cost or fair value, adjusted for net selling costs. Fair values of real estate owned are reviewed regularly and write-downs are recorded when it is determined that the carrying value of real estate exceeds the fair value less estimated costs to sell. Costs relating to the development and improvement of such property are capitalized, whereas those costs relating to holding the property are expensed.</FONT></P>
<P style="TEXT-ALIGN: justify"><I><FONT size=2 face=Arial>Property and Equipment</FONT></I></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Property and equipment are stated at cost. Major repairs are charged to operations, while major improvements are capitalized. Depreciation is computed using the straight-line method over the estimated useful lives of the related assets. Upon retirement, sale, or other disposition of property and equipment, the cost and accumulated depreciation are eliminated from the accounts, and gain or loss is included in income from operations.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Construction in progress is stated at cost, which includes the cost of construction and other direct costs attributable to the construction. No provision for depreciation is made on construction in progress until such time as the relevant assets are completed and put into use.</FONT></P>
<P style="TEXT-ALIGN: justify"><I><FONT size=2 face=Arial>Bank Owned Life Insurance Policies</FONT></I></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Bank owned life insurance policies represent the cash value of policies on certain officers of the Company.</FONT></P>
<P style="TEXT-ALIGN: justify"><I><FONT size=2 face=Arial>Comprehensive Income</FONT></I></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Comprehensive income (loss) consists of net income and net unrealized gains (losses) on securities and is presented in the statements of shareholders&#8217; equity and comprehensive income. The statement requires only additional disclosures in the consolidated financial statements; it does not affect our results of operations.</FONT></P>
<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>72</FONT></P>
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<P style="TEXT-ALIGN: justify"><I><FONT size=2 face=Arial>Revenue from Contracts with Customers</FONT></I></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The Company records revenue from contracts with customers in accordance with Accounting Standards Codification Topic 606, &#8220;Revenue from Contracts with Customers&#8221; (&#8220;Topic 606&#8221;). Under Topic 606, the Company must identify the contract with a customer, identify the performance obligations in the contract, determine the transaction price, allocate the transaction price to the performance obligations in the contract, and recognize revenue when (or as) the Company satisfies a performance obligation. Significant revenue has not been recognized in the current reporting period that results from performance obligations satisfied in previous periods.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The Company&#8217;s primary sources of revenue are derived from interest and dividends earned on loans, investment securities, and other financial instruments that are not within the scope of Topic 606. The Company has evaluated the nature of its contracts with customers and determined that further disaggregation of revenue from contracts with customers into more granular categories beyond what is presented in the Consolidated Statements of Income was not necessary. The Company generally fully satisfies its performance obligations on its contracts with customers as services are rendered and the transaction prices are typically fixed; charged either on a periodic basis or based on activity. Our accounting policies did not change materially since the principles of revenue recognition from Topic 606 are largely consistent with existing guidance and current practices applied by our business. The following is a discussion of revenues within the scope of the guidance:</FONT></P>

<TABLE style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; BORDER-COLLAPSE: collapse; TEXT-ALIGN: justify" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR>

   <TD STYLE="padding-left: 15pt; padding-right: 8pt; vertical-align: top; width: 1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>

   <TD vAlign=top width="99%"><I><FONT size=2 face=Arial>Service fees on deposit accounts </FONT></I><FONT size=2 face=Arial>- The Company earns fees from its deposit clients for various transaction-based, account maintenance, and overdraft or non-sufficient funds (&#8220;NSF&#8221;) services. Transaction-based fees, which include services such as stop payment charges, statement rendering, and ACH fees, are recognized at the time the transaction is executed as that is the point in time the Company fulfills the client's request. Account maintenance fees, which relate primarily to monthly maintenance and account management, are earned over the course of a month, representing the period over which the Company satisfies the performance obligation. Overdraft and NSF fees are recognized at the point in time that the overdraft occurs or the NSF item is presented. Service charges on deposits are withdrawn from the client's account balance.</FONT></TD></TR>

<TR>
   <TD STYLE="padding-left: 15pt; padding-right: 8pt; vertical-align: top">&nbsp;</TD>
   <TD STYLE="vertical-align: top">&nbsp;</TD></TR>
<TR>

   <TD STYLE="padding-left: 15pt; padding-right: 8pt; vertical-align: top; width: 1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>

   <TD vAlign=top width="99%"><I><FONT size=2 face=Arial>ATM and debit card income </FONT></I><FONT size=2 face=Arial>- The Company earns interchange fees from debit cardholder transactions conducted through the payment networks. Interchange fees from cardholder transactions represent a percentage of the underlying transaction value and are recognized daily, concurrently with the transaction processing services provided to the cardholder.</FONT></TD></TR></TABLE>

<P style="TEXT-ALIGN: justify"><I><FONT size=2 face=Arial>Income Taxes</FONT></I></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The financial statements have been prepared on the accrual basis. When income and expenses are recognized in different periods for financial reporting purposes versus for the purposes of computing income taxes currently payable, deferred taxes are provided on such temporary differences. Deferred tax assets and liabilities are recognized for the expected future tax consequences of events that have been recognized in the consolidated financial statements or tax returns. Deferred tax assets and liabilities are measured using the enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be realized or settled. The Company believes that its income tax filing positions taken or expected to be taken on its tax returns will more likely than not be sustained upon audit by the taxing authorities and does not anticipate any adjustments that will result in a material adverse impact on the Company&#8217;s financial condition, results of operations, or cash flow. Therefore, no reserves for uncertain income tax positions have been recorded. The Company&#8217;s federal and state income tax returns are open and subject to examination from the 2016 tax return year and forward.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>On December 22, 2017, the Tax Act was signed into law and includes numerous provisions that impact the Company, most notably a reduction in the corporate tax rate from the maximum rate of 35% to a flat rate of 21%. As a result, the Company recorded an incremental income tax expense of $2.4 million in the fourth quarter of 2017.</FONT></P>

<P style="TEXT-ALIGN: justify"><I><FONT size=2 face=Arial>Stock-Based Compensation</FONT></I></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The Company has a stock-based employee compensation plan. Compensation cost is recognized for all stock options granted and for any outstanding unvested awards as if the fair value method had been applied to those awards as of the date of grant.</FONT></P>


<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>73</FONT></P>

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<P style="TEXT-ALIGN: justify"><I><FONT size=2 face=Arial>Adoption of New Accounting Standards</FONT></I></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>In February 2016, the FASB issued ASU No. 2016-02, </FONT><I><FONT size=2 face=Arial>&#8220;Leases (Topic 842)&#8221;</FONT></I><FONT size=2 face=Arial>. The guidance in the update supersedes the requirements in ASC Topic 840, Leases. The guidance is intended to increase transparency and comparability among organizations by recognizing right-of-use (&#8220;ROU&#8221;) assets and lease liabilities on the balance sheet. For public companies, this update was effective for interim and annual periods beginning after December 15, 2018. The Company adopted this guidance in the first quarter of 2019. Upon adoption, the Company elected a practical expedient which allows existing leases to retain their classification as operating leases. The Company has also elected to not recognize right-of-use assets and lease liabilities arising from short-term leases. Implementation of the guidance resulted in the recording of a right-of-use asset and lease liability on the balance sheet; however it does not have a material impact on the Company's other consolidated financial statements. See additional disclosures in Note 7.</FONT></P>

<P style="TEXT-ALIGN: justify"><I><FONT size=2 face=Arial>Newly Issued, But Not yet Effective Accounting Standards</FONT></I></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>In June 2016, the FASB issued ASU 2016-13, </FONT><I><FONT size=2 face=Arial>&#8220;Financial Instruments &#8211; Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments&#8221;</FONT></I><FONT size=2 face=Arial>. Among other things, ASU 2016-13 requires the measurement of all expected credit losses for financial assets held at the reporting date based on historical experience, current conditions, and reasonable and supportable forecasts. Financial institutions and other organizations will now use forward-looking information to form their credit loss estimates. Many of the loss estimation techniques applied today will still be permitted, although the inputs to those techniques will change to reflect the full amount of expected credit losses. In addition, ASU 2016-13 amends the accounting for credit losses on debt securities and purchased financial assets with credit deterioration. ASU 2016-13 was originally effective for all annual and interim periods beginning after December 31, 2019, with early adoption permitted for fiscal years beginning after December 15, 2018. Adoption will be applied through a cumulative-effect adjustment to retained earnings as of the beginning of the first reporting period in which the guidance is effective. The Company has established a team of individuals from credit, finance and risk management to evaluate the requirements of the new standard and the impact it will have on its processes.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>In November 2019, the FASB issued guidance that addresses issues raised by stakeholders during the implementation of ASU 2016-13, </FONT><I><FONT size=2 face=Arial>&#8220;Financial Instruments &#8211; Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments&#8221;</FONT></I><FONT size=2 face=Arial>. The amendments affect a variety of Topics in the Accounting Standards Codification. For public business entities that meet the definition of a smaller reporting company, such as the Company, the amendments are effective for fiscal years beginning after December 15, 2022 including interim periods within those fiscal years. Early adoption is permitted in any interim period as long as the Company has adopted to amendments in ASU 2016-13. Currently, the Company does not expect to adopt the ASU before the effective period.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Other accounting standards that have been issued or proposed by the FASB or other standards-setting bodies that do not require adoption until a future date are not expected to have a material impact on the consolidated financial statements upon adoption.</FONT></P>

<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>NOTE 2 &#8211; Investment Securities</FONT></B></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The amortized costs and fair value of investment securities are as follows:</FONT></P>

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<TR vAlign=bottom>

   <TD STYLE="width: 91%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid">&nbsp;</TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-top: Black 1.5pt solid"><B><FONT size=1 face=Arial></FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="91%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD COLSPAN="8" STYLE="width: 8%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>December 31, 2019</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="91%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Amortized</FONT></B></TD>

   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD COLSPAN="3" STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Gross Unrealized</FONT></B></TD>

   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial>Fair</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 91%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Cost</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Gains</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Losses</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Value</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 91%; white-space: nowrap; text-align: left; background-color: Silver"><B><FONT size=2 face=Arial>Available for sale</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><B><FONT size=2 face=Arial></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD></TR>

<TR vAlign=bottom>

   <TD width="91%" noWrap align=left><FONT size=2 face=Arial>US government agencies</FONT></TD>

   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"><FONT size=2 face=Arial>$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>500</FONT></TD>

   <TD width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1</FONT></TD>

   <TD width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>499</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 91%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial>SBA securities</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>550</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>19</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>531</FONT></TD></TR>

<TR vAlign=bottom>

   <TD width="91%" noWrap align=left><FONT size=2 face=Arial>State and political subdivisions</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>4,205</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>3</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>24</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>4,184</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 91%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial>Asset-backed securities</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>13,351</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>184</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>13,167</FONT></TD></TR>

<TR vAlign=bottom>

   <TD width="91%" noWrap align=left><FONT size=2 face=Arial>Mortgage-backed securities</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="padding-left: 30pt; width: 91%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial>FHLMC</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>10,609</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>14</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>15</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>10,608</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 91%; white-space: nowrap; text-align: left; padding-left: 30pt"><FONT size=2 face=Arial>FNMA</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>35,275</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>34</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>169</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>35,140</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="border-bottom: Black 1pt solid; padding-left: 30pt; width: 91%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial>GNMA</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>3,581</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>5</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>21</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>3,565</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="border-bottom: Black 1pt solid; width: 91%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Total mortgage-backed securities</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid; text-align: right"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>49,465</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>53</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>205</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>49,313</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="padding-left: 45pt; background-color: Silver; width: 91%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>Total</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>&nbsp;$</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>68,071</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>56</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>433</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>67,694</FONT></TD></TR></TABLE>


<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>74</FONT></P>

<HR align=center SIZE=2 width="100%" noShade>



<DIV style="PAGE-BREAK-BEFORE: always"></DIV>

<P align ="left"><font size=2 face=Arial><A HREF="#toc"><B>Table of Contents</B></A></FONT></P>



<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom>

   <TD STYLE="width: 91%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid">&nbsp;</TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD COLSPAN="8" STYLE="width: 8%; white-space: nowrap; text-align: right; border-top: Black 1.5pt solid"><B><FONT size=1 face=Arial></FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="91%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD COLSPAN="8" STYLE="width: 8%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>December 31, 2018</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="91%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Amortized</FONT></B></TD>

   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD COLSPAN="3" STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Gross Unrealized</FONT></B></TD>

   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial>Fair</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 91%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Cost</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Gains</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Losses</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Value</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 91%; white-space: nowrap; text-align: left; background-color: Silver"><B><FONT size=2 face=Arial>Available for sale</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><B><FONT size=2 face=Arial></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD></TR>

<TR vAlign=bottom>

   <TD width="91%" noWrap align=left><FONT size=2 face=Arial>US government agencies</FONT></TD>

   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"><FONT size=2 face=Arial>$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>8,975</FONT></TD>

   <TD width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1</FONT></TD>

   <TD width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>194</FONT></TD>

   <TD width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>8,782</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 91%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial>SBA securities</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>3,628</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>103</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>3,525</FONT></TD></TR>

<TR vAlign=bottom>

   <TD width="91%" noWrap align=left><FONT size=2 face=Arial>State and political subdivisions</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>8,371</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>48</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>63</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>8,356</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 91%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial>Asset-backed securities</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>9,595</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>12</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>49</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>9,558</FONT></TD></TR>

<TR vAlign=bottom>

   <TD width="91%" noWrap align=left><FONT size=2 face=Arial>Mortgage-backed securities</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="padding-left: 30pt; width: 91%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial>FHLMC</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>12,258</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>87</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>242</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>12,103</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 91%; white-space: nowrap; text-align: left; padding-left: 30pt"><FONT size=2 face=Arial>FNMA</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>29,068</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>25</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>551</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>28,542</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="padding-left: 30pt; background-color: Silver; width: 91%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>GNMA</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>4,170</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>132</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>4,039</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="padding-left: 15pt; width: 91%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Total mortgage-backed securities</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>45,496</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>113</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>925</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>44,684</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="padding-left: 45pt; background-color: Silver; width: 91%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>Total</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>&nbsp;$</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>76,065</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>174</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>1,334</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>74,905</FONT></TD></TR></TABLE>


<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>During 2019, approximately $34.9 million of investment securities were either sold or called, subsequently resulting in a gain on sale of investment securities of $727,000.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The amortized costs and fair values of investment securities available for sale at December 31, 2019 and 2018, by contractual maturity, are shown below. Expected maturities may differ from contractual maturities because issuers have the right to prepay the obligations.</FONT></P>

<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom>

   <TD STYLE="width: 91%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid">&nbsp;</TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD COLSPAN="8" STYLE="width: 8%; white-space: nowrap; text-align: center; border-top: Black 1.5pt solid"><B><FONT size=1 face=Arial></FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="91%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD COLSPAN="8" STYLE="border-bottom: Black 1pt solid; width: 8%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>December 31,</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="91%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2019</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2018</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 91%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD COLSPAN="2" STYLE="width: 2%; text-align: right"><B><FONT size=1 face=Arial>Amortized</FONT></B></TD>

   <TD STYLE="width: 1%; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>Fair</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>Amortized</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>Fair</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="border-bottom: Black 1pt solid; width: 91%; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>

   <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>Cost</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>Value</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>Cost</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>Value</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 91%; white-space: nowrap; text-align: left; background-color: Silver"><B><FONT size=2 face=Arial>Available for sale</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><B><FONT size=2 face=Arial></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD></TR>

<TR vAlign=bottom>

   <TD width="91%" noWrap align=left><FONT size=2 face=Arial>Due within one year</FONT></TD>

   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"><FONT size=2 face=Arial>$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 91%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial>Due after one through five years</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>4,699</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>4,675</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>8,681</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>8,578</FONT></TD></TR>

<TR vAlign=bottom>

   <TD width="91%" noWrap align=left><FONT size=2 face=Arial>Due after five through ten years</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>10,454</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>10,414</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>22,796</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>22,379</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="background-color: Silver; width: 91%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Due after ten years</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>52,918</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>52,605</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>44,588</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>43,948</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 91%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>&nbsp;$</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>68,071</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>67,694</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>76,065</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>74,905</FONT></TD></TR></TABLE>


<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The tables below summarize gross unrealized losses on investment securities and the fair market value of the related securities, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, at December 31, 2019 and 2018.</FONT></P>

<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom>

   <TD STYLE="width: 76%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid">&nbsp;</TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD COLSPAN="7" STYLE="width: 7%; white-space: nowrap; text-align: right; border-top: Black 1.5pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-top: Black 1.5pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-top: Black 1.5pt solid"></TD>

   <TD COLSPAN="5" STYLE="width: 5%; white-space: nowrap; text-align: right; border-top: Black 1.5pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-top: Black 1.5pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-top: Black 1.5pt solid"></TD>

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: right; border-top: Black 1.5pt solid"><B><FONT size=1 face=Arial></FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="76%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD COLSPAN="7" STYLE="width: 7%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Less than 12 months</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD COLSPAN="5" STYLE="width: 5%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>12 months or longer</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Total</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="76%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Fair</FONT></B></TD>

   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Unrealized</FONT></B></TD>

   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Fair</FONT></B></TD>

   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Unrealized</FONT></B></TD>

   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Fair</FONT></B></TD>

   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="2%" colSpan=2 align=right><B><FONT size=1 face=Arial>Unrealized</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 76%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>#</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>value</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>losses</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>#</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>value</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>losses</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>#</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>value</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>losses</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="76%" noWrap align=left><B><FONT size=2 face=Arial>As of December 31, 2019</FONT></B></TD>

   <TD width="1%" noWrap align=left><B><FONT size=2 face=Arial></FONT></B></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="76%" noWrap align=left><B><FONT size=2 face=Arial>Available for sale</FONT></B></TD>

   <TD width="1%" noWrap align=left><B><FONT size=2 face=Arial></FONT></B></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 76%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>US government agencies</FONT></TD>

   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1</FONT></TD>

   <TD width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"><FONT size=2 face=Arial>$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>499</FONT></TD>

   <TD width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"><FONT size=2 face=Arial>$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1</FONT></TD>

   <TD width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"><FONT size=2 face=Arial>$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"><FONT size=2 face=Arial>$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1</FONT></TD>

   <TD width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"><FONT size=2 face=Arial>$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>499</FONT></TD>

   <TD width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"><FONT size=2 face=Arial>$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 76%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>SBA securities</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>531</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>19</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>531</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>19</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 76%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>State and political subdivisions</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>2</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>2,093</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>24</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>2</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>2,093</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>24</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 76%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Asset-backed</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>5</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>5,921</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>68</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>5</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>7,246</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>116</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>10</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>13,167</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>184</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 76%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Mortgage-backed</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 76%; white-space: nowrap; text-align: left; padding-left: 30pt"><FONT size=2 face=Arial>FHLMC</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>4</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>3,842</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>2</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>4</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>2,323</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>13</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>8</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>6,165</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>15</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 76%; white-space: nowrap; text-align: left; padding-left: 30pt"><FONT size=2 face=Arial>FNMA</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>14</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>15,500</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>67</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>11</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>9,462</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>102</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>25</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>24,962</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>169</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="padding-left: 30pt; width: 76%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>GNMA</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>2</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>2,240</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>6</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>734</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>15</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>3</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>2,974</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>21</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 76%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>28</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>30,095</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;$</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>168</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>22</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>20,296</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;$</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>265</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>50</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>50,391</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;$</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>433</FONT></TD></TR></TABLE>


<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>75</FONT></P>

<HR align=center SIZE=2 width="100%" noShade>



<DIV style="PAGE-BREAK-BEFORE: always"></DIV>

<P align ="left"><font size=2 face=Arial><A HREF="#toc"><B>Table of Contents</B></A></FONT></P>



<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>

<TR STYLE="vertical-align: bottom">
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD width="76%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>


   <TD COLSPAN="7" STYLE="width: 5%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Less than 12 months</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD COLSPAN="5" STYLE="width: 5%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>12 months or longer</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Total</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="76%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Fair</FONT></B></TD>

   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Unrealized</FONT></B></TD>

   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Fair</FONT></B></TD>

   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Unrealized</FONT></B></TD>

   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Fair</FONT></B></TD>

   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Unrealized</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 76%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>#</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>value</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>losses</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>#</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>value</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>losses</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>#</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>value</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>losses</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 76%; white-space: nowrap; text-align: left; background-color: Silver"><B><FONT size=2 face=Arial>As of December 31, 2018</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><B><FONT size=2 face=Arial></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD></TR>

<TR vAlign=bottom>

   <TD width="76%" noWrap align=left><B><FONT size=2 face=Arial>Available for sale</FONT></B></TD>

   <TD width="1%" noWrap align=left><B><FONT size=2 face=Arial></FONT></B></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="padding-left: 15pt; width: 76%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial>US government agencies</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver">&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>1</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver">&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>1,246</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver">&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>3</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver">&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>8</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver">&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>7,035</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver">&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>191</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver">&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>9</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver">&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>8,281</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver">&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>194</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 76%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>SBA securities</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"><FONT size=2 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"><FONT size=2 face=Arial>2</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>3,525</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>103</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"><FONT size=2 face=Arial>2</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>3,525</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>103</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="padding-left: 15pt; width: 76%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial>State and political subdivisions</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>7</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>2,829</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>63</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>7</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>2,829</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>63</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 76%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Asset-backed</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"><FONT size=2 face=Arial>4</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>6,707</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>49</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"><FONT size=2 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"><FONT size=2 face=Arial>4</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>6,707</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>49</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="padding-left: 15pt; width: 76%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial>Mortgage-backed</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 76%; white-space: nowrap; text-align: left; padding-left: 30pt"><FONT size=2 face=Arial>FHLMC</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"><FONT size=2 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"><FONT size=2 face=Arial>10</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>7,402</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>242</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"><FONT size=2 face=Arial>10</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>7,402</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>242</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="padding-left: 30pt; width: 76%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial>FNMA</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>2</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>2,689</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>6</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>23</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>22,814</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>545</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>25</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>25,503</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>551</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="padding-left: 30pt; width: 76%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>GNMA</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1,104</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>6</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>3</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>2,919</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>126</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>4</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>4,023</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>132</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="background-color: Silver; width: 76%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>8</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;$</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>11,746</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;$</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>64</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>53</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>46,524</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;$</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>1,270</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>61</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>58,270</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;$</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>1,334</FONT></TD></TR>

</TABLE>


<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>At December 31, 2019, the Company had 28 individual investments with a fair market value of $30.1 million that were in an unrealized loss position for less than 12 months and 22 individual investments with a fair market value of $20.3 million that were in an unrealized loss position for 12 months or longer. The unrealized losses were primarily attributable to changes in interest rates, rather than deterioration in credit quality. The individual securities are each investment grade securities. The Company considers the length of time and extent to which the fair value of available-for-sale debt securities have been less than cost to conclude that such securities were not other-than-temporarily impaired. We also consider other factors such as the financial condition of the issuer including credit ratings and specific events affecting the operations of the issuer, volatility of the security, underlying assets that collateralize the debt security, and other industry and macroeconomic conditions. As the Company has no intent to sell securities with unrealized losses and it is not more-likely-than-not that the Company will be required to sell these securities before recovery of amortized cost, we have concluded that the securities are not impaired on an other-than-temporary basis.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Other investments are comprised of the following and are recorded at cost which approximates fair value:</FONT></P>

<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>

<TR STYLE="vertical-align: bottom">
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD width="95%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD COLSPAN="4" STYLE="width: 4%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>December 31,</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 95%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid; text-align: right"><B><FONT size=1 face=Arial>2019</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2018</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 95%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial>Federal Home Loan Bank stock</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>6,386</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>3,587</FONT></TD></TR>

<TR vAlign=bottom>

   <TD width="95%" noWrap align=left><FONT size=2 face=Arial>Other investments</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>159</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>131</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="background-color: Silver; width: 95%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Investment in Trust Preferred subsidiaries</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>403</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>403</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 95%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>6,948</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>4,121</FONT></TD></TR>


</TABLE>


<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The Company has evaluated the FHLB stock for impairment and determined that the investment in FHLB stock is not other than temporarily impaired as of December 31, 2019 and ultimate recoverability of the par value of this investment is probable. All of the FHLB stock is used to collateralize advances with the FHLB.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>At December 31, 2019 and 2018, there were no securities pledged as collateral for repurchase agreements from brokers.</FONT></P>

<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>NOTE 3 &#8211; Mortgage Loans Held for Sale</FONT></B></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Mortgage loans originated and intended for sale in the secondary market are reported as loans held for sale and carried at fair value under the fair value option with changes in fair value recognized in current period earnings. Loans held for sale include mortgage loans which are saleable into the secondary mortgage markets and their fair values are estimated using observable quoted market or contracted prices or market price equivalents, which would be used by other market participants. At the date of funding of the mortgage loan held for sale, the funded amount of the loan, the related derivative asset or liability of the associated interest rate lock commitment, less direct loan costs becomes the initial recorded investment in the loan held for sale. Such amount approximates the fair value of the loan. At December 31, 2019, mortgage loans held for sale totaled $27.0 million compared to $9.2 million at December 31, 2018.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Mortgage loans held for sale are considered de-recognized, or sold, when the Company surrenders control over the financial assets. Control is considered to have been surrendered when the transferred assets have been isolated from the Company, beyond the reach of the Company and its creditors; the purchaser obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets; and the Company does not maintain effective control over the transferred assets through an agreement that both entitles and obligates the Company to repurchase or redeem the transferred assets before their maturity or the ability to unilaterally cause the holder to return specific assets.</FONT></P>

<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>76</FONT></P>

<HR align=center SIZE=2 width="100%" noShade>



<DIV style="PAGE-BREAK-BEFORE: always"></DIV>

<P align ="left"><font size=2 face=Arial><A HREF="#toc"><B>Table of Contents</B></A></FONT></P>





<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Gains and losses from the sale of mortgage loans are recognized based upon the difference between the sales proceeds and carrying value of the related loans upon sale and are recorded in mortgage banking income in the statement of income. Mortgage banking income also includes the unrealized gains and losses associated with the loans held for sale and the realized and unrealized gains and losses from derivatives.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Mortgage loans sold to investors by the Company, and which were believed to have met investor and agency underwriting guidelines at the time of sale, may be subject to repurchase or indemnification in the event of specific default by the borrower or subsequent discovery that underwriting standards were not met. The Company may, upon mutual agreement, agree to repurchase the loans or indemnify the investor against future losses on such loans. In such cases, the Company bears any subsequent credit loss on the loans. As appropriate, the Company establishes mortgage repurchase reserves related to various representations and warranties that reflect management&#8217;s estimate of losses.</FONT></P>

<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>NOTE 4 &#8211; Loans and Allowance for Loan Losses</FONT></B></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The Company makes loans to individuals and small businesses for various personal and commercial purposes primarily in the Upstate, Midlands, and Lowcountry regions of South Carolina, the Triangle and Triad regions of North Carolina as well as Atlanta, Georgia. The Company&#8217;s loan portfolio is not concentrated in loans to any single borrower or a relatively small number of borrowers. The Company focuses its lending activities primarily on the professional markets in these regions including doctors, dentists, and small business owners. The principal component of the loan portfolio is loans secured by real estate mortgages which account for 82.8% of total loans at December 31, 2019. Commercial loans comprise 61.5% of total real estate loans and consumer loans account for 38.5%. Commercial real estate loans are further categorized into owner occupied which represents 21.0% of total loans and non-owner occupied loans represent 25.8%. Commercial construction loans represent only 4.1% of the total loan portfolio.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>In addition to monitoring potential concentrations of loans to particular borrowers or groups of borrowers, industries and geographic regions, management monitors exposure to credit risk from concentrations of lending products and practices such as loans that subject borrowers to substantial payment increases (e.g. principal deferral periods, loans with initial interest-only periods, etc.), and loans with high loan-to-value ratios. Additionally, there are industry practices that could subject the Company to increased credit risk should economic conditions change over the course of a loan&#8217;s life. For example, the Company makes variable rate loans and fixed rate principal-amortizing loans with maturities prior to the loan being fully paid (i.e. balloon payment loans). The various types of loans are individually underwritten and monitored to manage the associated risks.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The allowance for loan losses is management's estimate of credit losses inherent in the loan portfolio at the balance sheet date. We have an established process to determine the adequacy of the allowance for loan losses that assesses the losses inherent in our portfolio. While we attribute portions of the allowance to specific portfolio segments, the entire allowance is available to absorb credit losses inherent in the total loan portfolio. Our process involves procedures to appropriately consider the unique risk characteristics of our commercial and consumer loan portfolio segments. For each portfolio segment, impairment is measured individually for each impaired loan. Our allowance levels are influenced by loan volume, loan grade or delinquency status, historic loss experience and other economic conditions.</FONT></P>

<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>Portfolio Segment Methodology</FONT></B></P>

<P style="TEXT-ALIGN: justify"><I><FONT size=2 face=Arial>Commercial<BR></FONT></I><FONT size=2 face=Arial>Commercial loans are assessed for estimated losses by grading each loan using various risk factors identified through periodic reviews. The Company applies historic grade-specific loss factors to each loan class. In the development of statistically derived loan grade loss factors, the Company observes historical losses over 20 quarters for each loan grade. These loss estimates are adjusted as appropriate based on additional analysis of external loss data or other risks identified from current economic conditions and credit quality trends. The allowance also includes an amount for the estimated impairment on nonaccrual commercial loans and commercial loans modified in a TDR, whether on accrual or nonaccrual status.</FONT></P>

<P style="TEXT-ALIGN: justify"><I><FONT size=2 face=Arial>Consumer<BR></FONT></I><FONT size=2 face=Arial>For consumer loans, the Company determines the allowance on a collective basis utilizing historical losses over 20 quarters to represent its best estimate of inherent loss. The Company pools loans, generally by loan class with similar risk characteristics. The allowance also includes an amount for the estimated impairment on nonaccrual consumer loans and consumer loans modified in a TDR, whether on accrual or nonaccrual status.</FONT></P>

<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>77</FONT></P>

<HR align=center SIZE=2 width="100%" noShade>



<DIV style="PAGE-BREAK-BEFORE: always"></DIV>

<P align ="left"><font size=2 face=Arial><A HREF="#toc"><B>Table of Contents</B></A></FONT></P>



<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The following table summarizes the composition of our loan portfolio. Total gross loans are recorded net of deferred loan fees and costs, which totaled $3.3 million and $2.8 million as of December 31, 2019 and December 31, 2018, respectively.</FONT></P>

<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&nbsp;</TD></TR>


<TR vAlign=bottom>

   <TD width="89%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD COLSPAN="10" STYLE="width: 10%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>December 31,</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2019</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2018</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="89%" noWrap align=left><B><FONT size=2 face=Arial>Commercial</FONT></B></TD>

   <TD width="1%" noWrap align=left><B><FONT size=2 face=Arial></FONT></B></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Owner occupied RE</FONT></TD>

   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>407,851</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>21.0%</FONT></TD>

   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>367,018</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>21.9%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Non-owner occupied RE</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>501,878</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>25.8%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>404,296</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>24.1%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Construction</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>80,486</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>4.1%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>84,411</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>5.0%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="padding-left: 15pt; width: 89%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Business</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>308,123</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>15.9%</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>272,980</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>16.3%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="border-bottom: Black 1pt solid; width: 89%; white-space: nowrap; text-align: left; padding-left: 30pt"><FONT size=2 face=Arial>Total commercial loans</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1,298,338</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>66.8%</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1,128,705</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>67.3%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left"><B><FONT size=2 face=Arial>Consumer</FONT></B></TD>

   <TD width="1%" noWrap align=left><B><FONT size=2 face=Arial></FONT></B></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Real estate</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>398,245</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>20.5%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>320,943</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>19.1%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Home equity</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>179,738</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>9.3%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>165,937</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>9.9%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Construction</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>41,471</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>2.1%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>37,925</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>2.3%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="padding-left: 15pt; width: 89%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Other</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>25,733</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1.3%</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>23,822</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1.4%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="border-bottom: Black 1pt solid; width: 89%; white-space: nowrap; text-align: left; padding-left: 30pt"><FONT size=2 face=Arial>Total consumer loans</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>645,187</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>33.2%</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>548,627</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>32.7%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Total gross loans, net of deferred fees</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,943,525</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>100.0%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,677,332</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>100.0%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Less &#8211; allowance for loan losses</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>(16,642</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>)</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>(15,762</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>)</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="padding-left: 15pt; width: 89%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>Total loans, net</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>1,926,883</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>1,661,570</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD></TR>


</TABLE>


<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The composition of gross loans by rate type is as follows:</FONT></P>

<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>


<TR STYLE="vertical-align: bottom">
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD></TR>


<TR vAlign=bottom>

   <TD width="95%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD COLSPAN="4" STYLE="width: 4%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>December 31,</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 95%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2019</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2018</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 95%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial>Variable rate loans</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>432,540</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>402,148</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 95%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Fixed rate loans</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1,510,985</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1,275,184</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="background-color: Silver; width: 95%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>1,943,525</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>1,677,332</FONT></TD></TR>


</TABLE>


<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>At December 31, 2019, approximately $716.0 million of the Company&#8217;s mortgage loans were pledged as collateral for advances from the FHLB, as set forth in Note 10.</FONT></P>

<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>Credit Quality Indicators</FONT></B></P>

<P style="TEXT-ALIGN: justify"><I><FONT size=2 face=Arial>Commercial<BR></FONT></I><FONT size=2 face=Arial>We manage a consistent process for assessing commercial loan credit quality by monitoring our loan grading trends and past due statistics. All loans are subject to individual risk assessment. Our risk categories include Pass, Special Mention, Substandard, and Doubtful, each of which is defined by banking regulatory agencies. Delinquency statistics are also an important indicator of credit quality in the establishment of our allowance for credit losses.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>We categorize our loans into risk categories based on relevant information about the ability of the borrower to service their debt such as current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. A description of the general characteristics of the risk grades is as follows:</FONT></P>

<TABLE style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; BORDER-COLLAPSE: collapse; TEXT-ALIGN: justify" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR>

   <TD STYLE="padding-left: 15pt; padding-right: 8pt; vertical-align: top; width: 1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>

   <TD vAlign=top width="99%"><FONT size=2 face=Arial>Pass&#8212;These loans range from minimal credit risk to average however still acceptable credit risk.</FONT></TD></TR>

<TR>
   <TD STYLE="padding-left: 15pt; padding-right: 8pt; vertical-align: top">&nbsp;</TD>
   <TD STYLE="vertical-align: top">&nbsp;</TD></TR>
<TR>

   <TD STYLE="padding-left: 15pt; padding-right: 8pt; vertical-align: top; width: 1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>

   <TD vAlign=top width="99%"><FONT size=2 face=Arial>Special mention&#8212;A special mention loan has potential weaknesses that deserve management&#8217;s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or the institution&#8217;s credit position at some future date.</FONT></TD></TR>

<TR>
   <TD STYLE="padding-left: 15pt; padding-right: 8pt; vertical-align: top">&nbsp;</TD>
   <TD STYLE="vertical-align: top">&nbsp;</TD></TR>
<TR>

   <TD STYLE="padding-left: 15pt; padding-right: 8pt; vertical-align: top; width: 1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>

   <TD vAlign=top width="99%"><FONT size=2 face=Arial>Substandard&#8212;A substandard loan is inadequately protected by the current sound worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified must have a well-defined weakness, or weaknesses, that may jeopardize the liquidation of the debt. A substandard loan is characterized by the distinct possibility that the Bank will sustain some loss if the deficiencies are not corrected.</FONT></TD></TR></TABLE>

<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>78</FONT></P>

<HR align=center SIZE=2 width="100%" noShade>


<DIV style="PAGE-BREAK-BEFORE: always"></DIV>
<!-- Part 14 -->

<P align=left><FONT size=2 face=ARIAL>
<A href="#toc"><B>Table of Contents</B></A></FONT></P>

<TABLE style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; TEXT-ALIGN: justify" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR>

   <TD style="WIDTH: 1%; VERTICAL-ALIGN: top; PADDING-LEFT: 15pt; PADDING-RIGHT: 8pt"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>

   <TD vAlign=top width="99%"><FONT size=2 face=Arial>Doubtful&#8212;A doubtful loan has all of the weaknesses inherent in one classified as substandard with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of the currently existing facts, conditions and values, highly questionable and improbable.</FONT></TD></TR></TABLE>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The following tables provide past due information for outstanding commercial loans and include loans on nonaccrual status.</FONT></P>

<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom>

   <TD COLSPAN="12" STYLE="border-top: Black 1.5pt solid; width: 100%; white-space: nowrap; text-align: left"><B><FONT size=1 face=Arial></FONT></B>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 79%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD COLSPAN="10" STYLE="width: 20%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B><B><FONT size=1 face=Arial>December 31, 2019</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="79%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp; </TD>

   <TD width="4%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Owner</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><B><FONT size=1 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp; </FONT></B></TD>

   <TD width="3%" noWrap align=right><B><FONT size=1 face=Arial>Non-owner</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp; </TD>

   <TD width="3%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp; </TD>

   <TD width="3%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp; </TD>

   <TD width="3%" noWrap align=left></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 79%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD COLSPAN="2" STYLE="width: 4%; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>occupied RE</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>occupied RE</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Construction</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Business</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Total</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="79%" noWrap align=left><FONT size=2 face=Arial>Current</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>&nbsp;&nbsp; $</FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>406,594</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>501,676</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>80,486</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>307,710</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,296,466</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="79%" noWrap align=left><FONT size=2 face=Arial>30-59 days past due</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>706</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>151</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>178</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,035</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="79%" noWrap align=left><FONT size=2 face=Arial>60-89 days past due</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 79%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Greater than 90 days</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>551</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>51</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>235</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>837</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 79%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>407,851</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>501,878</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>80,486</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>308,123</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>1,298,338</FONT></TD></TR>

<TR>

   <TD COLSPAN="12" STYLE="width: 100%">&nbsp;</TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 79%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD COLSPAN="10" STYLE="width: 20%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B><B><FONT size=1 face=Arial>December 31, 2018</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="79%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="4%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Owner</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="3%" noWrap align=right><B><FONT size=1 face=Arial>Non-owner</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 79%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD COLSPAN="2" STYLE="width: 4%; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>occupied RE</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>occupied RE</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Construction</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Business</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Total</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="79%" noWrap align=left><FONT size=2 face=Arial>Current</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>$</FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>367,018</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>404,179</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>84,411</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>272,864</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,128,472</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="79%" noWrap align=left><FONT size=2 face=Arial>30-59 days past due</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>117</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>36</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>153</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="79%" noWrap align=left><FONT size=2 face=Arial>60-89 days past due</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 79%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Greater than 90 days</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>80</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>80</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 79%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>367,018</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>404,296</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>84,411</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>272,980</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>1,128,705</FONT></TD></TR></TABLE>


<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>As of December 31, 2019 and 2018, loans 30 days or more past due represented 0.23% and 0.26% of our total loan portfolio, respectively. Commercial loans 30 days or more past due were 0.10% and 0.01% as of December 31, 2019 and 2018, respectively.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The tables below provide a breakdown of outstanding commercial loans by risk category.</FONT></P>

<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom>

   <TD STYLE="width: 79%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid">&nbsp;</TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-top: Black 1.5pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD COLSPAN="3" STYLE="width: 7%; white-space: nowrap; text-align: right; border-top: Black 1.5pt solid"><B><FONT size=1 face=Arial></FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="79%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD COLSPAN="10" STYLE="width: 20%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B><B><FONT size=1 face=Arial>December 31, 2019</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="79%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="4%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Owner</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="3%" noWrap align=right><B><FONT size=1 face=Arial>Non-owner</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 79%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left">&nbsp;&nbsp;&nbsp;&nbsp; </TD>

   <TD COLSPAN="2" STYLE="width: 4%; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>occupied RE</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp; </TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>occupied RE</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp; </TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Construction</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp; </TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Business</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp; </TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Total</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="79%" noWrap align=left><FONT size=2 face=Arial>Pass</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>&nbsp;&nbsp; $</FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>404,237</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>492,941</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>80,486</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>301,504</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,279,168</FONT></TD></TR>

<TR vAlign=bottom>

   <TD width="79%" noWrap align=left><FONT size=2 face=Arial>Special Mention</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,312</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>744</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>3,108</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>5,164</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="79%" noWrap align=left><FONT size=2 face=Arial>Substandard</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>2,302</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>8,193</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>3,511</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>14,006</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 79%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Doubtful</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>-</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 79%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>407,851</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>501,878</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>80,486</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>308,123</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>1,298,338</FONT></TD></TR>

<TR>

   <TD width="100%" colSpan=12>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD width="79%" noWrap align=left>&nbsp;</TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD COLSPAN="10" STYLE="width: 20%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B><B><FONT size=1 face=Arial>December 31, 2018</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="79%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="4%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Owner</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="3%" noWrap align=right><B><FONT size=1 face=Arial>Non-owner</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 79%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD COLSPAN="2" STYLE="width: 4%; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>occupied RE</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>occupied RE</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Construction</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Business</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Total</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="79%" noWrap align=left><FONT size=2 face=Arial>Pass</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>&nbsp;&nbsp; $</FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>363,621</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>400,266</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>84,411</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>266,898</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,115,196</FONT></TD></TR>

<TR vAlign=bottom>

   <TD width="79%" noWrap align=left><FONT size=2 face=Arial>Special Mention</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>296</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>118</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>2,971</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>3,385</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="79%" noWrap align=left><FONT size=2 face=Arial>Substandard</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>3,101</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>3,912</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>3,111</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>10,124</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 79%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Doubtful</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>-</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 79%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>367,018</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>404,296</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>84,411</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>272,980</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>1,128,705</FONT></TD></TR></TABLE>


<P style="TEXT-ALIGN: justify"><I><FONT size=2 face=Arial>Consumer<BR></FONT></I><FONT size=2 face=Arial>We manage a consistent process for assessing consumer loan credit quality by monitoring our loan grading trends and past due statistics. All loans are subject to individual risk assessment. Our risk categories include Pass, Special Mention, Substandard, and Doubtful, which are defined above. Delinquency statistics are also an important indicator of credit quality in the establishment of our allowance for loan losses.</FONT></P>



<P style="TEXT-ALIGN: center"><FONT size=2 face="Arial">79</FONT></P>

<HR align=center SIZE=2 width="100%" noShade>



<DIV style="PAGE-BREAK-BEFORE: always"></DIV>



<P align=left><FONT size=2 face=ARIAL>
<A href="#toc"><B>Table of Contents</B></A></FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The following tables provide past due information for outstanding consumer loans and include loans on nonaccrual status.</FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom>

   <TD STYLE="width: 79%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-top: Black 1.5pt solid"><B><FONT size=1 face=Arial>&nbsp;</FONT></B></TD>

   <TD COLSPAN="3" STYLE="width: 7%; white-space: nowrap; text-align: right; border-top: Black 1.5pt solid"><B><FONT size=1 face=Arial></FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="79%" noWrap align=left>&nbsp;</TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD COLSPAN="10" STYLE="width: 20%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B><B><FONT size=1 face=Arial>December 31, 2019</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 79%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>

   <TD COLSPAN="2" STYLE="width: 4%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Real estate</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></B></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Home equity</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></B></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Construction</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></B></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Other</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Total</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="79%" noWrap align=left><FONT size=2 face=Arial>Current</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>&nbsp;$</FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>396,445</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>179,051</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>41,471</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>25,650</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>642,617</FONT></TD></TR>

<TR vAlign=bottom>

   <TD width="79%" noWrap align=left><FONT size=2 face=Arial>30-59 days past due</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>799</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>369</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>83</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,251</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="79%" noWrap align=left><FONT size=2 face=Arial>60-89 days past due</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>118</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>118</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 79%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Greater than 90 days</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1,001</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>200</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1,201</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 79%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>398,245</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>179,738</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>41,471</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>25,733</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>645,187</FONT></TD></TR>

<TR>

   <TD width="100%" colSpan=12>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD width="79%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD COLSPAN="10" STYLE="width: 20%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B><B><FONT size=1 face=Arial>December 31, 2018</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 79%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD COLSPAN="2" STYLE="width: 4%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Real estate</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Home equity</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Construction</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Other</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Total</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="79%" noWrap align=left><FONT size=2 face=Arial>Current</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>$</FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>317,267</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>165,727</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>37,925</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>23,603</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>544,522</FONT></TD></TR>

<TR vAlign=bottom>

   <TD width="79%" noWrap align=left><FONT size=2 face=Arial>30-59 days past due</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>2,555</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>30</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>106</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>2,691</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="79%" noWrap align=left><FONT size=2 face=Arial>60-89 days past due</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>923</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>113</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,036</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 79%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Greater than 90 days</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>198</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>180</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>378</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 79%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>320,943</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>165,937</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>37,925</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>23,822</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>548,627</FONT></TD></TR></TABLE>


<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Consumer loans 30 days or more past due were 0.13% and 0.25% as of December 31, 2019 and 2018, respectively.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The tables below provide a breakdown of outstanding consumer loans by risk category.</FONT></P>

<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom>

   <TD STYLE="width: 79%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-top: Black 1.5pt solid"><B><FONT size=1 face=Arial>&nbsp;</FONT></B></TD>

   <TD COLSPAN="3" STYLE="width: 7%; white-space: nowrap; text-align: right; border-top: Black 1.5pt solid"><B><FONT size=1 face=Arial></FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="79%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD COLSPAN="10" STYLE="width: 20%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B><B><FONT size=1 face=Arial>December 31, 2019</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 79%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>

   <TD COLSPAN="2" STYLE="width: 4%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Real estate</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></B></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Home equity</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></B></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Construction</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></B></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Other</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></B></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Total</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="79%" noWrap align=left><FONT size=2 face=Arial>Pass</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>&nbsp;$</FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>392,572</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>176,532</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>41,471</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>25,421</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>635,996</FONT></TD></TR>

<TR vAlign=bottom>

   <TD width="79%" noWrap align=left><FONT size=2 face=Arial>Special Mention</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>2,267</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>775</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>261</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>3,303</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="79%" noWrap align=left><FONT size=2 face=Arial>Substandard</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>3,406</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>2,431</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>51</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>5,888</FONT></TD></TR>

<TR vAlign=bottom>

   <TD width="79%" noWrap align=left><FONT size=2 face=Arial>Doubtful</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 79%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Loss</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>-</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 79%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>398,245</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>179,738</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>41,471</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>25,733</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>645,187</FONT></TD></TR>

<TR vAlign=bottom>

   <TD width="79%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="7%" colSpan=3 noWrap align=right><B><FONT size=1 face=Arial>&nbsp;</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="79%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD COLSPAN="10" STYLE="width: 20%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B><B><FONT size=1 face=Arial>December 31, 2018</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 79%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD COLSPAN="2" STYLE="width: 4%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Real estate</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Home equity</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Construction</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Other</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Total</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="79%" noWrap align=left><FONT size=2 face=Arial>Pass</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>$</FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>314,586</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>162,626</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>37,925</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>23,586</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>538,723</FONT></TD></TR>

<TR vAlign=bottom>

   <TD width="79%" noWrap align=left><FONT size=2 face=Arial>Special Mention</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,792</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>864</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>139</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>2,795</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="79%" noWrap align=left><FONT size=2 face=Arial>Substandard</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>4,565</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>2,447</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>97</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>7,109</FONT></TD></TR>

<TR vAlign=bottom>

   <TD width="79%" noWrap align=left><FONT size=2 face=Arial>Doubtful</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 79%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Loss</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>-</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 79%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>320,943</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>165,937</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>37,925</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>23,822</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>548,627</FONT></TD></TR></TABLE>


<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>Nonperforming assets</FONT></B></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The following table shows the nonperforming assets and the related percentage of nonperforming assets to total assets and gross loans. Generally, a loan is placed on nonaccrual status when it becomes 90 days past due as to principal or interest, or when we believe, after considering economic and business conditions and collection efforts, that the borrower&#8217;s financial condition is such that collection of the contractual principal or interest on the loan is doubtful. A payment of interest on a loan that is classified as nonaccrual is recognized as a reduction in principal when received.</FONT></P>

<P style="TEXT-ALIGN: center"><FONT size=2 face="Arial">80</FONT></P>

<HR align=center SIZE=2 width="100%" noShade>



<DIV style="PAGE-BREAK-BEFORE: always"></DIV>



<P align=left><FONT size=2 face=ARIAL>
<A href="#toc"><B>Table of Contents</B></A></FONT></P>

<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom>

   <TD STYLE="width: 93%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD COLSPAN="4" STYLE="width: 6%; white-space: nowrap; text-align: right; border-top: Black 1.5pt solid"><B><FONT size=1 face=Arial>&nbsp;</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="93%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>

   <TD COLSPAN="4" STYLE="width: 6%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>December 31,</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 93%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD COLSPAN="2" STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2019</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2018</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="93%" noWrap align=left><B><FONT size=2 face=Arial>Commercial</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="2%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="2%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 93%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Owner occupied RE</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>&nbsp;$</FONT></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 93%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Non-owner occupied RE</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>188</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>210</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 93%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Construction</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 93%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Business</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>235</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>81</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="93%" noWrap align=left><B><FONT size=2 face=Arial>Consumer</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="2%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="2%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 93%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Real estate</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,829</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,980</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 93%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Home equity</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>431</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,006</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 93%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Construction</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 93%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Other</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>12</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 93%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Nonaccruing troubled debt restructurings</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>4,111</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>2,541</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="93%" noWrap align=left><FONT size=2 face=Arial>Total nonaccrual loans, including nonaccruing TDRs</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>6,794</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>5,830</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 93%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Other real estate owned</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>-</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 93%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>Total nonperforming assets</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>6,794</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>5,830</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="93%" noWrap align=left><FONT size=2 face=Arial>Nonperforming assets as a percentage of:</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="2%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="2%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 93%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Total assets</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>0.30%</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>0.31%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="padding-left: 15pt; width: 93%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Gross loans</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>0.35%</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>0.35%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="93%" noWrap align=left><FONT size=2 face=Arial>Total loans over 90 days past due</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>$</FONT></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>2,038</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>458</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 93%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Loans over 90 days past due and still accruing</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 93%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>Accruing TDRs</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>5,219</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>6,742</FONT></TD></TR></TABLE>


<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Foregone interest income on the nonaccrual loans for the year ended December 31, 2019 was approximately $23,000 and approximately $53,000 for the same period in 2018.</FONT></P>

<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>Impaired Loans</FONT></B></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The table below summarizes key information for impaired loans. Our impaired loans include loans on nonaccrual status and loans modified in a TDR, whether on accrual or nonaccrual status. These impaired loans may have estimated impairment which is included in the allowance for loan losses. Our commercial and consumer impaired loans are evaluated individually to determine the related allowance for loan losses.</FONT></P>

<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom>

   <TD STYLE="width: 79%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-top: Black 1.5pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD COLSPAN="3" STYLE="width: 7%; white-space: nowrap; text-align: right; border-top: Black 1.5pt solid"><B><FONT size=1 face=Arial>&nbsp;</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="79%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD COLSPAN="3" STYLE="width: 7%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>December 31, 2019</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="79%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD COLSPAN="3" STYLE="width: 7%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Recorded investment</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD></TR>

<TR vAlign=bottom>

   <TD width="79%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="3%" noWrap align=right><B><FONT size=1 face=Arial>Impaired loans</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="3%" noWrap align=right><B><FONT size=1 face=Arial>Impaired loans</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD></TR>

<TR vAlign=bottom>

   <TD width="79%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD width="4%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Unpaid</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="3%" noWrap align=right><B><FONT size=1 face=Arial>with no related</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="3%" noWrap align=right><B><FONT size=1 face=Arial>with related</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="3%" noWrap align=right><B><FONT size=1 face=Arial>Related</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="79%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD width="4%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Principal</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="3%" noWrap align=right><B><FONT size=1 face=Arial>Impaired</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="3%" noWrap align=right><B><FONT size=1 face=Arial>allowance for</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="3%" noWrap align=right><B><FONT size=1 face=Arial>allowance for</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="3%" noWrap align=right><B><FONT size=1 face=Arial>allowance for</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 79%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>

   <TD COLSPAN="2" STYLE="width: 4%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Balance</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>loans</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>loan losses</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>loan losses</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>loan losses</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="79%" noWrap align=left><B><FONT size=2 face=Arial>Commercial</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Owner occupied RE</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>&nbsp;$</FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>2,791</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>2,726</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>2,270</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>456</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>75</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Non-owner occupied RE</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>4,512</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>4,051</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>2,419</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,632</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>465</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Construction</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="padding-left: 15pt; width: 79%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Business</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1,620</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1,531</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>558</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>973</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>452</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="border-bottom: Black 1pt solid; padding-left: 30pt; width: 79%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Total commercial</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>8,923</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>8,308</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>5,247</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>3,061</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>992</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="79%" noWrap align=left><B><FONT size=2 face=Arial>Consumer</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Real estate</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>2,727</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>2,720</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,638</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,082</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>364</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Home equity</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>885</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>838</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>459</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>379</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>66</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Construction</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="padding-left: 15pt; width: 79%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Other</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>147</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>147</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>147</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>16</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="border-bottom: Black 1pt solid; padding-left: 30pt; width: 79%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Total consumer</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>3,759</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>3,705</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>2,097</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1,608</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>446</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="padding-left: 45pt; width: 79%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>Total</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>12,682</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>12,013</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>7,344</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>4,669</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>1,438</FONT></TD></TR></TABLE>


<P style="TEXT-ALIGN: center"><FONT size=2 face="Arial">81</FONT></P>

<HR align=center SIZE=2 width="100%" noShade>



<DIV style="PAGE-BREAK-BEFORE: always"></DIV>



<P align=left><FONT size=2 face=ARIAL>
<A href="#toc"><B>Table of Contents</B></A></FONT></P>

<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom>

   <TD STYLE="width: 79%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-top: Black 1.5pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD COLSPAN="3" STYLE="width: 7%; white-space: nowrap; text-align: right; border-top: Black 1.5pt solid"><B><FONT size=1 face=Arial>&nbsp;</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="79%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD COLSPAN="3" STYLE="width: 7%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>December 31, 2018</FONT></B></TD></TR>
<TR vAlign=bottom>

   <TD width="79%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD COLSPAN="3" STYLE="width: 7%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Recorded investment</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD></TR>

<TR vAlign=bottom>

   <TD width="79%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="3%" noWrap align=right><B><FONT size=1 face=Arial>Impaired loans</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="3%" noWrap align=right><B><FONT size=1 face=Arial>Impaired loans</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD></TR>

<TR vAlign=bottom>

   <TD width="79%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD width="4%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Unpaid</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="3%" noWrap align=right><B><FONT size=1 face=Arial>with no related</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="3%" noWrap align=right><B><FONT size=1 face=Arial>with related</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="3%" noWrap align=right><B><FONT size=1 face=Arial>Related</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="79%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD width="4%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Principal</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="3%" noWrap align=right><B><FONT size=1 face=Arial>Impaired</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="3%" noWrap align=right><B><FONT size=1 face=Arial>allowance for</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="3%" noWrap align=right><B><FONT size=1 face=Arial>allowance for</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="3%" noWrap align=right><B><FONT size=1 face=Arial>allowance for</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 79%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>

   <TD COLSPAN="2" STYLE="width: 4%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Balance</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>loans</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>loan losses</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>loan losses</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>loan losses</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="79%" noWrap align=left><B><FONT size=2 face=Arial>Commercial</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Owner occupied RE</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>$</FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>2,827</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>2,762</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>2,311</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>451</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>75</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Non-owner occupied RE</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>3,321</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>2,807</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>603</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>2,204</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>558</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Construction</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="padding-left: 15pt; width: 79%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Business</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>3,745</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>2,520</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>515</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>2,005</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>895</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="padding-left: 30pt; width: 79%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Total commercial</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>9,893</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>8,089</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>3,429</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>4,660</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1,528</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="79%" noWrap align=left><B><FONT size=2 face=Arial>Consumer</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Real estate</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>2,993</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>2,892</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,494</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,398</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>456</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Home equity</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,935</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,421</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,421</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Construction</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="padding-left: 15pt; width: 79%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Other</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>170</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>170</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>170</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>30</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="padding-left: 30pt; width: 79%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Total consumer</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>5,098</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>4,483</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>2,915</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1,568</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>486</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="padding-left: 45pt; width: 79%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>Total</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>&nbsp;$</FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>14,991</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>12,572</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>6,344</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>6,228</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>2,014</FONT></TD></TR></TABLE>


<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The following table provides the average recorded investment in impaired loans and the amount of interest income recognized on impaired loans after impairment by portfolio segment and class.</FONT></P>

<TABLE style="LINE-HEIGHT: 14pt" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom>

   <TD COLSPAN="14" STYLE="width: 100%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"><B><FONT size=1 face=Arial></FONT></B><B><FONT size=1 face=Arial>&nbsp;</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="75%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD COLSPAN="12" STYLE="width: 24%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B><B><FONT size=1 face=Arial>Year ended December 31,</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="75%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD COLSPAN="4" STYLE="width: 8%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B><B><FONT size=1 face=Arial>2019</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD COLSPAN="3" STYLE="width: 7%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B><B><FONT size=1 face=Arial>2018</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD COLSPAN="3" STYLE="width: 7%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B><B><FONT size=1 face=Arial>2017</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="75%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD width="4%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Average</FONT></B></TD>

   <TD width="1%" noWrap align=right>&nbsp;</TD>

   <TD width="3%" noWrap align=right><B><FONT size=1 face=Arial>Recognized</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="3%" noWrap align=right><B><FONT size=1 face=Arial>Average</FONT></B></TD>

   <TD width="1%" noWrap align=right>&nbsp;</TD>

   <TD width="3%" noWrap align=right><B><FONT size=1 face=Arial>Recognized</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="3%" noWrap align=right><B><FONT size=1 face=Arial>Average</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp; </TD>

   <TD width="3%" noWrap align=right><B><FONT size=1 face=Arial>Recognized</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="75%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD width="4%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>recorded</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="3%" noWrap align=right><B><FONT size=1 face=Arial>interest</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="3%" noWrap align=right><B><FONT size=1 face=Arial>recorded</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="3%" noWrap align=right><B><FONT size=1 face=Arial>interest</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="3%" noWrap align=right><B><FONT size=1 face=Arial>recorded</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="3%" noWrap align=right><B><FONT size=1 face=Arial>interest</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 75%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD COLSPAN="2" STYLE="width: 4%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>investment</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>income</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>investment</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>income</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>investment</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>income</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="75%" noWrap align=left><B><FONT size=2 face=Arial>Commercial</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp; </TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;</TD>

   <TD width="3%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;</TD>

   <TD width="3%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;</TD>

   <TD width="3%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;</TD>

   <TD width="3%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 75%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Owner occupied RE</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;$</FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>2,739</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>128</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>2,784</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>142</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>2,255</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>104</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 75%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Non-owner occupied RE</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>4,161</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>255</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>2,860</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>174</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>4,144</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>199</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 75%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Construction</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="padding-left: 15pt; width: 75%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Business</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1,582</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>79</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>2,883</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>162</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>2,823</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>162</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="padding-left: 30pt; width: 75%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Total commercial</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>8,482</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>462</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>8,527</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>478</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>9,222</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>465</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="75%" noWrap align=left><B><FONT size=2 face=Arial>Consumer</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 75%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Real estate</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>2,771</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>131</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>2,930</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>151</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>2,047</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>69</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 75%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Home equity</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>853</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>42</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,453</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>99</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,576</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>97</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 75%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Construction</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="padding-left: 15pt; width: 75%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Other</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>153</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>5</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>174</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>5</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>174</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>6</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="padding-left: 30pt; width: 75%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Total consumer</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>3,777</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>178</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>4,557</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>255</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>3,797</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>172</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="padding-left: 45pt; width: 75%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>Total</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>12,259</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>640</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>13,084</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>733</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>13,019</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>637</FONT></TD></TR></TABLE>




<P style="TEXT-ALIGN: center"><FONT size=2 face="Arial">82</FONT></P>

<HR align=center SIZE=2 width="100%" noShade>



<DIV style="PAGE-BREAK-BEFORE: always"></DIV>



<P align=left><FONT size=2 face=ARIAL>
<A href="#toc"><B>Table of Contents</B></A></FONT></P>

<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>Allowance for Loan Losses</FONT></B></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The following table summarizes the activity related to our allowance for loan losses:</FONT></P>

<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom>

   <TD STYLE="width: 85%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-top: Black 1.5pt solid"></TD>

   <TD COLSPAN="8" STYLE="width: 13%; white-space: nowrap; text-align: right; border-top: Black 1.5pt solid"><B><FONT size=1 face=Arial><B><FONT size=1 face=Arial>&nbsp;</FONT></B></FONT></B></TD>

   <TD STYLE="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></TD></TR>

<TR vAlign=bottom>

   <TD width="85%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD COLSPAN="8" STYLE="width: 13%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B><B><FONT size=1 face=Arial>Year ended December 31,</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 85%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD COLSPAN="2" STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2019</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2018</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2017</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="85%" noWrap align=left><B><FONT size=2 face=Arial>Balance, beginning of period</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>$</FONT></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>15,762</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>15,523</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>14,855</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="85%" noWrap align=left><B><FONT size=2 face=Arial>Provision for loan losses</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>2,300</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,900</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>2,000</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="85%" noWrap align=left><B><FONT size=2 face=Arial>Loan charge-offs:</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD width="2%" noWrap align=left></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 85%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Commercial</FONT></TD>

   <TD STYLE="padding-left: 15pt; border-style: none; border-width: medium; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: left; padding-left: 15pt"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="padding-left: 15pt; border-style: none; border-width: medium; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: left; padding-left: 15pt"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="padding-left: 15pt; border-style: none; border-width: medium; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: left; padding-left: 15pt"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 85%; white-space: nowrap; text-align: left; padding-left: 30pt"><FONT size=2 face=Arial>Owner occupied RE</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>(110</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>)</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 85%; white-space: nowrap; text-align: left; padding-left: 30pt"><FONT size=2 face=Arial>Non-owner occupied RE</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>(239</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>)</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>(432</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>)</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>(589</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>)</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 85%; white-space: nowrap; text-align: left; padding-left: 30pt"><FONT size=2 face=Arial>Construction</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="padding-left: 30pt; width: 85%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Business</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>(910</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>)</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>(695</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>)</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>(638</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>)</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="padding-left: 45pt; width: 85%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Total commercial</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>(1,259</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>)</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>(1,127</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>)</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>(1,227</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>)</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 85%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Consumer</FONT></TD>

   <TD STYLE="padding-left: 15pt; border-style: none; border-width: medium; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: left; padding-left: 15pt"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="padding-left: 15pt; border-style: none; border-width: medium; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: left; padding-left: 15pt"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="padding-left: 15pt; border-style: none; border-width: medium; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: left; padding-left: 15pt"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 85%; white-space: nowrap; text-align: left; padding-left: 30pt"><FONT size=2 face=Arial>Real estate</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>(749</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>)</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 85%; white-space: nowrap; text-align: left; padding-left: 30pt"><FONT size=2 face=Arial>Home equity</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>(174</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>)</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>(217</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>)</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>(400</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>)</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 85%; white-space: nowrap; text-align: left; padding-left: 30pt"><FONT size=2 face=Arial>Construction</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="padding-left: 30pt; width: 85%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Other</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>(82</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>)</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>(53</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>)</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>(11</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>)</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="padding-left: 45pt; width: 85%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Total consumer</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>(256</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>)</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>(1,019</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>)</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>(411</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>)</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="padding-left: 60pt; width: 85%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Total loan charge-offs</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>(1,515</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>)</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>(2,146</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>)</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>(1,638</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>)</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="85%" noWrap align=left><B><FONT size=2 face=Arial>Loan recoveries:</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD width="2%" noWrap align=left></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 85%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Commercial</FONT></TD>

   <TD STYLE="padding-left: 15pt; border-style: none; border-width: medium; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: left; padding-left: 15pt"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="padding-left: 15pt; border-style: none; border-width: medium; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: left; padding-left: 15pt"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="padding-left: 15pt; border-style: none; border-width: medium; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: left; padding-left: 15pt"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 85%; white-space: nowrap; text-align: left; padding-left: 30pt"><FONT size=2 face=Arial>Owner occupied RE</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 85%; white-space: nowrap; text-align: left; padding-left: 30pt"><FONT size=2 face=Arial>Non-owner occupied RE</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>2</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>132</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>119</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 85%; white-space: nowrap; text-align: left; padding-left: 30pt"><FONT size=2 face=Arial>Construction</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="padding-left: 30pt; width: 85%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Business</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>43</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>229</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>86</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="padding-left: 45pt; width: 85%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Total commercial</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>45</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>361</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>205</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 85%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Consumer</FONT></TD>

   <TD STYLE="padding-left: 15pt; border-style: none; border-width: medium; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: left; padding-left: 15pt"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="padding-left: 15pt; border-style: none; border-width: medium; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: left; padding-left: 15pt"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="padding-left: 15pt; border-style: none; border-width: medium; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: left; padding-left: 15pt"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 85%; white-space: nowrap; text-align: left; padding-left: 30pt"><FONT size=2 face=Arial>Real estate</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>37</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>5</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>86</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 85%; white-space: nowrap; text-align: left; padding-left: 30pt"><FONT size=2 face=Arial>Home equity</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>2</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>115</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>13</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 85%; white-space: nowrap; text-align: left; padding-left: 30pt"><FONT size=2 face=Arial>Construction</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="padding-left: 30pt; width: 85%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Other</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>11</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>4</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>2</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="padding-left: 45pt; width: 85%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Total consumer</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>50</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>124</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>101</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="padding-left: 60pt; width: 85%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Total recoveries</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>95</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>485</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>306</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="padding-left: 75pt; width: 85%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Net loan charge-offs</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>(1,420</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>)</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>(1,661</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>)</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>(1,332</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>)</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 85%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><B><FONT size=2 face=Arial>Balance, end of period</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>16,642</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>15,762</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>15,523</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></TD></TR></TABLE>


<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The following tables summarize the activity in the allowance for loan losses by our commercial and consumer portfolio segments.</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" BORDER="0" STYLE="line-height: 14pt; border-collapse: collapse; width: 100%">



<TR vAlign=bottom>

   <TD STYLE="width: 81%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-top: Black 1.5pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD COLSPAN="4" STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>&nbsp;</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-style: none; border-width: medium; white-space: nowrap; text-align: right"></TD>

   <TD COLSPAN="8" STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B><B><FONT size=1 face=Arial>Year ended December 31, 2019</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"></TD>

   <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>Commercial</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>Consumer</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>



   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>Total</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Balance, beginning of period</FONT></TD>

   <TD STYLE="border-style: none; border-width: medium; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>10,768</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-style: none; border-width: medium; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>4,994</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-style: none; border-width: medium; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>



   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>15,762</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Provision</FONT></TD>

   <TD STYLE="border-style: none; border-width: medium; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,818</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-style: none; border-width: medium; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>482</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-style: none; border-width: medium; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>



   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>2,300</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Loan charge-offs</FONT></TD>

   <TD STYLE="border-style: none; border-width: medium; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>(1,259</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial>)</FONT></TD>

   <TD STYLE="border-style: none; border-width: medium; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>(256</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial>)</FONT></TD>

   <TD STYLE="border-style: none; border-width: medium; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>



   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>(1,515</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial>)</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="padding-left: 15pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Loan recoveries</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>45</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>50</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>



   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>95</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="padding-left: 30pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Net loan charge-offs</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>(1,214</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>)</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>(206</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>)</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>



   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>(1,420</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>)</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Balance, end of period</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>11,372</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>5,270</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>



   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>16,642</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></TD></TR>

<TR>

   <TD COLSPAN="11">&nbsp;&nbsp; </TD></TR>

<TR vAlign=bottom>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-style: none; border-width: medium; white-space: nowrap; text-align: right"></TD>

   <TD COLSPAN="8" STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B><B><FONT size=1 face=Arial>Year ended December 31, 2018</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"></TD>

   <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>Commercial</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>Consumer</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>



   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>Total</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Balance, beginning of period</FONT></TD>

   <TD STYLE="border-style: none; border-width: medium; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;$</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>9,937</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-style: none; border-width: medium; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>5,586</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-style: none; border-width: medium; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>



   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>15,523</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Provision</FONT></TD>

   <TD STYLE="border-style: none; border-width: medium; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,597</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-style: none; border-width: medium; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>303</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-style: none; border-width: medium; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>



   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,900</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Loan charge-offs</FONT></TD>

   <TD STYLE="border-style: none; border-width: medium; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>(1,127</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial>)</FONT></TD>

   <TD STYLE="border-style: none; border-width: medium; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>(1,019</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial>)</FONT></TD>

   <TD STYLE="border-style: none; border-width: medium; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>



   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>(2,146</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial>)</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="padding-left: 15pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Loan recoveries</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>361</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>124</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>



   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>485</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="padding-left: 30pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Net loan charge-offs</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>(766</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>)</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>(895</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>)</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>



   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>(1,661</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>)</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Balance, end of period</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>10,768</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>4,994</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>



   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>15,762</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></TD></TR></TABLE>


<P style="TEXT-ALIGN: center"><FONT size=2 face="Arial">83</FONT></P>

<HR align=center SIZE=2 width="100%" noShade>



<DIV style="PAGE-BREAK-BEFORE: always"></DIV>



<P align=left><FONT size=2 face=ARIAL>
<A href="#toc"><B>Table of Contents</B></A></FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The following table disaggregates our allowance for loan losses and recorded investment in loans by method of impairment evaluation.</FONT></P>

<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom>

   <TD STYLE="width: 75%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-top: Black 1.5pt solid"><B><FONT size=1 face=Arial>&nbsp;</FONT></B></TD>

   <TD COLSPAN="3" STYLE="width: 7%; white-space: nowrap; text-align: right; border-top: Black 1.5pt solid"><B><FONT size=1 face=Arial></FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="75%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD COLSPAN="12" STYLE="width: 24%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B><B><FONT size=1 face=Arial>December 31, 2019</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="75%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD COLSPAN="6" STYLE="width: 12%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Allowance for loan losses</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD COLSPAN="5" STYLE="width: 11%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Recorded investment in loans</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 75%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD COLSPAN="2" STYLE="width: 4%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Commercial</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Consumer</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Total</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Commercial</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Consumer</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Total</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="75%" noWrap align=left><FONT size=2 face=Arial>Individually evaluated</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>$</FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>992</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>446</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,438</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>8,308</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>3,705</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>12,013</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 75%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Collectively evaluated</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>10,380</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>4,824</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>15,204</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1,290,030</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>641,482</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1,931,512</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="padding-left: 15pt; width: 75%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>Total</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>11,372</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>5,270</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>16,642</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>1,298,338</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>645,187</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>1,943,525</FONT></TD></TR>

<TR>

   <TD width="100%" colSpan=14>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD width="75%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD COLSPAN="12" STYLE="width: 24%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B><B><FONT size=1 face=Arial>December 31, 2018</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 75%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD COLSPAN="6" STYLE="width: 12%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Allowance for loan losses</FONT></B></TD>

   <TD STYLE="border-top: Black medium none; border-right: Black medium none; border-left: Black medium none; width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD COLSPAN="5" STYLE="width: 11%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Recorded investment in loans</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 75%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD COLSPAN="2" STYLE="width: 4%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Commercial</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Consumer</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Total</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Commercial</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Consumer</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Total</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="75%" noWrap align=left><FONT size=2 face=Arial>Individually evaluated</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;$</FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,528</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>486</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>2,014</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>8,089</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>4,483</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>12,572</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 75%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Collectively evaluated</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>9,240</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>4,508</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>13,748</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1,120,616</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>544,144</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1,664,760</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="padding-left: 15pt; width: 75%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>Total</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>10,768</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>4,994</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>15,762</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>1,128,705</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>548,627</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>1,677,332</FONT></TD></TR></TABLE>


<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>NOTE 5 &#8211; Troubled Debt Restructurings</FONT></B></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>At December 31, 2019, we had 19 loans totaling $9.3 million and at December 31, 2018 we had 26 loans totaling $9.3 million, which we considered as TDRs. The Company considers a loan to be a TDR when the debtor experiences financial difficulties and the Company grants a concession to the debtor that it would not normally consider. Concessions can relate to the contractual interest rate, maturity date, or payment structure of the note. As part of our workout plan for individual loan relationships, we may restructure loan terms to assist borrowers facing challenges in the current economic environment. During 2019, we have added one commercial loan totaling $1.8 million as TDRs and removed nine loans from TDR status due to pay-offs or in accordance with our nonperforming loans and TDR policies. To date, we have restored five nonaccrual commercial loans previously classified as TDRs to accrual status.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The following table summarizes the concession at the time of modification and the recorded investment in our TDRs before and after their modification.</FONT></P>

<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom>

   <TD STYLE="width: 77%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-top: Black 1.5pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD COLSPAN="7" STYLE="width: 10%; white-space: nowrap; text-align: right; border-top: Black 1.5pt solid"><B><FONT size=1 face=Arial>&nbsp;</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="77%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD COLSPAN="15" STYLE="width: 22%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B><B><FONT size=1 face=Arial>For the year ended December 31, 2019</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="77%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="2%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="2%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="2%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="2%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="2%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD width="3%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Pre-</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD width="3%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Post-</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="77%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="2%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="2%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="2%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="2%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="2%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp; </TD>

   <TD width="3%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>modification</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp; </TD>

   <TD width="3%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>modification</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="77%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp; </TD>

   <TD width="2%" noWrap align=right><B><FONT size=1 face=Arial>Renewals</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp; </TD>

   <TD width="2%" noWrap align=right><B><FONT size=1 face=Arial>Reduced</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp; </TD>

   <TD width="2%" noWrap align=right><B><FONT size=1 face=Arial>Converted</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="2%" noWrap align=right><B><FONT size=1 face=Arial>Maturity</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp; </TD>

   <TD width="2%" noWrap align=right><B><FONT size=1 face=Arial>Total</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD width="3%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>outstanding</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD width="3%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>outstanding</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="77%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="2%" noWrap align=right><B><FONT size=1 face=Arial>deemed a</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="2%" noWrap align=right><B><FONT size=1 face=Arial>or deferred</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="2%" noWrap align=right><B><FONT size=1 face=Arial>to interest</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp; </TD>

   <TD width="2%" noWrap align=right><B><FONT size=1 face=Arial>date</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="2%" noWrap align=right><B><FONT size=1 face=Arial>number</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD width="3%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>recorded</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD width="3%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>recorded</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 77%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>concession</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>payments</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>only</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>extensions</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>of loans</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD COLSPAN="2" STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>investment</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD COLSPAN="2" STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Investment</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="77%" noWrap align=left><B><FONT size=2 face=Arial>Commercial</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="2%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="2%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="2%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="2%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="2%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="2%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="2%" noWrap align=left></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="padding-left: 15pt; width: 77%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Business</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp; $</FONT></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1,823</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1,823</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="padding-left: 30pt; width: 77%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>Total loans</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>1</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>1</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>1</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>1,823</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;$</FONT></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>1,823</FONT></TD></TR>

<TR>

   <TD width="100%" colSpan=17>&nbsp; </TD></TR>

<TR vAlign=bottom>

   <TD width="77%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD COLSPAN="15" STYLE="width: 22%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B><B><FONT size=1 face=Arial>For the year ended December 31, 2018</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="77%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="2%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="2%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="2%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="2%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="2%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD width="3%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Pre-</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD width="3%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Post-</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="77%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="2%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="2%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="2%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="2%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="2%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD width="3%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>modification</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD width="3%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>modification</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="77%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="2%" noWrap align=right><B><FONT size=1 face=Arial>Renewals</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="2%" noWrap align=right><B><FONT size=1 face=Arial>Reduced</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="2%" noWrap align=right><B><FONT size=1 face=Arial>Converted</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="2%" noWrap align=right><B><FONT size=1 face=Arial>Maturity</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="2%" noWrap align=right><B><FONT size=1 face=Arial>Total</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD width="3%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>outstanding</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD width="3%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>outstanding</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="77%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="2%" noWrap align=right><B><FONT size=1 face=Arial>deemed a</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="2%" noWrap align=right><B><FONT size=1 face=Arial>or deferred</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="2%" noWrap align=right><B><FONT size=1 face=Arial>to interest</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="2%" noWrap align=right><B><FONT size=1 face=Arial>date</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="2%" noWrap align=right><B><FONT size=1 face=Arial>number</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD width="3%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>recorded</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD width="3%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>recorded</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 77%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>concession</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>payments</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>only</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>extensions</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>of loans</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD COLSPAN="2" STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>investment</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD COLSPAN="2" STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Investment</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="77%" noWrap align=left><B><FONT size=2 face=Arial>Commercial</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="2%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="2%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="2%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="2%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="2%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="2%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="2%" noWrap align=left></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 77%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Owner occupied RE</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>$</FONT></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>506</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>$</FONT></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>592</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 77%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Non-owner occupied RE</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,287</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,287</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 77%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Business</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>4</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>4</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,207</FONT></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,532</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="77%" noWrap align=left><B><FONT size=2 face=Arial>Consumer</FONT></B></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="2%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="2%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="2%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="2%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>

   <TD width="2%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="2%" noWrap align=left></TD>

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="2%" noWrap align=left></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="padding-left: 15pt; width: 77%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Real estate</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>2</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>2</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>549</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>669</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="padding-left: 30pt; width: 77%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>Total loans</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>7</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>1</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>8</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>3,549</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>4,080</FONT></TD></TR></TABLE>


<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>As of December 31, 2019 and 2018 there were no loans modified as TDRs for which there was a payment default (60 days past due) within 12 months of the restructuring date.</FONT></P>

<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>84</FONT></P>

<HR align=center SIZE=2 width="100%" noShade>





<DIV style="PAGE-BREAK-BEFORE: always"></DIV>
<!-- Part 15 -->
<P align ="left"><font size=2 face=Arial><A HREF="#toc"><B>Table of Contents</B></A></FONT></P>


<P style="TEXT-ALIGN: left"><B><FONT size=2 face=Arial>NOTE 6 &#8211; Property and Equipment</FONT></B></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Property and equipment are stated at cost less accumulated depreciation. Components of property and equipment included in the consolidated balance sheets are as follows:</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" BORDER="0" STYLE="line-height: 14pt; border-collapse: collapse; width: 100%">

<TR vAlign=bottom>
   <TD STYLE="border-top: #000000 1.5pt solid; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-top: #000000 1.5pt solid; white-space: nowrap; text-align: left"></TD>
   <TD COLSPAN="6" STYLE="border-top: #000000 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;<B><FONT size=1 face=Arial></FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD COLSPAN="5" STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>December 31,</FONT></B></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right">&nbsp;</TD></TR>
<TR vAlign=bottom>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"></TD>
   <TD COLSPAN="2" STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>2019</FONT></B></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>2018</FONT></B></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 93%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Land</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: middle"><FONT size=2 face=Arial>$</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>11,531</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>6,827</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Buildings</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; vertical-align: middle"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>24,136</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>24,064</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Leasehold improvements</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; vertical-align: middle"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>4,486</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>2,899</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Furniture and equipment</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; vertical-align: middle"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>10,219</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>8,890</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Software</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; vertical-align: middle"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>367</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>329</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Construction in process </FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: right; vertical-align: middle">&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>939</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>281</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Accumulated depreciation and amortization </FONT></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right; vertical-align: middle">&nbsp;</TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>(12,705</FONT></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>)</FONT></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>(10,860</FONT></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>)</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Property and equipment, excluding ROU assets</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: right; vertical-align: middle"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>38,973</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>32,430</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>ROU assets </FONT></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right; vertical-align: middle"></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>19,505</FONT></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>-</FONT></TD>
   <TD STYLE="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="padding-left: 15pt; border-bottom: #000000 1.5pt solid; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Total property and equipment</FONT></TD>
   <TD STYLE="border-bottom: #000000 1.5pt solid; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-bottom: #000000 1.5pt solid; white-space: nowrap; text-align: right; vertical-align: middle"><FONT size=2 face=Arial>$</FONT></TD>
   <TD STYLE="border-bottom: #000000 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>58,478</FONT></TD>
   <TD STYLE="border-bottom: #000000 1.5pt solid; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-bottom: #000000 1.5pt solid; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-bottom: #000000 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>32,430</FONT></TD>
   <TD STYLE="border-bottom: #000000 1.5pt solid; white-space: nowrap; text-align: left"></TD></TR></TABLE>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>During 2019, the Company purchased property for the construction of a new bank headquarters in Greenville, South Carolina which resulted in a $4.7 million increase in land.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Construction in process at December 31, 2019 included costs associated with the new bank headquarters, while the balance at December 31, 2018 included costs associated with the upfit of leased office space in Greensboro, North Carolina. Depreciation and amortization expense for the years ended December 31, 2019 and 2018 was $1.9 million and $1.8 million, respectively. Depreciation and amortization are charged to operations utilizing a straight-line method over the estimated useful lives of the assets. The estimated useful lives for the principal items follow:</FONT></P>

<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>

<TR vAlign=bottom>
   <TD style="BORDER-TOP: #000000 1.5pt solid" width="49%" noWrap align=left><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD style="BORDER-TOP: #000000 1.5pt solid" width="1%" noWrap align=right></TD>
   <TD style="BORDER-TOP: #000000 1.5pt solid" width="1%" noWrap align=right>&nbsp;<B><FONT size=1 face=Arial></FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="49%" noWrap align=left><B><FONT size=1 face=Arial>Type of Asset</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><FONT size=1 face=Arial></FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial>Life in Years</FONT></B></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="49%" noWrap align=left><FONT size=2 face=Arial>Software</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>3</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD width="49%" noWrap align=left><FONT size=2 face=Arial>Furniture and equipment</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>5 to 7</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="49%" noWrap align=left><FONT size=2 face=Arial>Leasehold improvements</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>5 to 15</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="49%" noWrap align=left><FONT size=2 face=Arial>Buildings</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>40</FONT></TD></TR></TABLE>

<P style="TEXT-ALIGN: left"><B><FONT size=2 face=Arial>NOTE 7 &#8211; Leases</FONT></B></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Effective January 1, 2019, the Company adopted ASU 2016-02, &#8220;Leases (Topic 842)&#8221;. As of December 31, 2019, we lease seven of our offices under various operating lease agreements. The lease agreements have maturity dates ranging from February 2022 to October 2029, some of which include options for multiple five-year extensions. The weighted average remaining life of the lease term for these leases was 7.97 years as of December 31, 2019.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The discount rate used in determining the lease liability for each individual lease was the FHLB fixed advance rate which corresponded with the remaining lease term as of January 1, 2019 for leases that existed at adoption and as of the lease commencement date for leases subsequently entered in to. The weighted average discount rate for leases was 2.86% as of December 31, 2019.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Total operating lease costs were $2.2 million and $1.8 million for the years ended December 31, 2019 and 2018, respectively. The right-of-use asset, included in property and equipment, and lease liabilities, included in other liabilities, were $19.5 million and $20.1 million as of December 31, 2019, respectively. The right-of-use asset and lease liability are recognized at lease commencement by calculating the present value of lease payments over the lease term.</FONT></P>
<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>85</FONT></P>
<HR align=center SIZE=2 width="100%" noShade>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV>

<P align ="left"><font size=2 face=Arial><A HREF="#toc"><B>Table of Contents</B></A></FONT></P>


<P style="TEXT-ALIGN: left"><FONT size=2 face=Arial>Maturities of lease liabilities as of December 31, 2019 were as follows:</FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>

<TR vAlign=bottom>
   <TD style="BORDER-TOP: #000000 1.5pt solid" width="97%" noWrap align=left></TD>
   <TD style="BORDER-TOP: #000000 1.5pt solid" width="1%" noWrap align=right></TD>
   <TD style="BORDER-TOP: #000000 1.5pt solid" width="1%" noWrap align=right></TD>
   <TD style="BORDER-TOP: #000000 1.5pt solid" width="1%" noWrap align=right>&nbsp;</TD></TR>
<TR vAlign=bottom>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="97%" noWrap align=left><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Operating<BR>Leases</FONT></B></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="97%" noWrap align=left><FONT size=2 face=Arial>2020</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>$</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>2,103</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD width="97%" noWrap align=left><FONT size=2 face=Arial>2021</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>2,152</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="97%" noWrap align=left><FONT size=2 face=Arial>2022</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,400</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD width="97%" noWrap align=left><FONT size=2 face=Arial>2023</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,273</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="97%" noWrap align=left><FONT size=2 face=Arial>2024</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,305</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="97%" noWrap align=left><FONT size=2 face=Arial>Thereafter</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>17,404</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 97%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Total undiscounted lease payments</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>25,637</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="97%" noWrap align=left><FONT size=2 face=Arial>Discount effect of cash flows</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>5,549</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="padding-left: 15pt; border-bottom: #000000 1.5pt solid; width: 97%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Total lease liability</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>$</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>20,088</FONT></TD></TR></TABLE>

<P style="TEXT-ALIGN: left"><B><FONT size=2 face=Arial>NOTE 8 &#8211; Other Real Estate Owned</FONT></B></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Other real estate owned is comprised of real estate acquired in settlement of loans and is included in other assets on the balance sheet. At December 31, 2019 and 2018, there was no other real estate owned. The following summarizes the activity in the real estate acquired in settlement of loans portion of other real estate owned:</FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom>

   <TD style="BORDER-TOP: #000000 1.5pt solid" width="93%" noWrap align=left></TD>

   <TD style="BORDER-TOP: #000000 1.5pt solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-TOP: #000000 1.5pt solid" width="5%" colSpan=5 noWrap align=left>&nbsp;</TD>

   <TD style="BORDER-TOP: #000000 1.5pt solid" width="1%" noWrap align=left></TD></TR>

<TR vAlign=bottom>

   <TD width="93%" noWrap align=left></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="5%" colSpan=5 noWrap align=right><B><FONT size=1 face=Arial>For the year ended December 31,</FONT></B></TD>

   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD></TR>

<TR vAlign=bottom>

   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="93%" noWrap align=left><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" colSpan=2 align=right><B><FONT size=1 face=Arial>2019</FONT></B></TD>

   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>2018</FONT></B></TD>

   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="93%" noWrap align=left><FONT size=2 face=Arial>Balance, beginning of year</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>&nbsp;$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>242</FONT></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="93%" noWrap align=left><FONT size=2 face=Arial>Additions</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="93%" noWrap align=left><FONT size=2 face=Arial>Sales</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>(125</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="93%" noWrap align=left><FONT size=2 face=Arial>Write-downs, net</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right></TD>

   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right></TD>

   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>(117</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="93%" noWrap align=left><FONT size=2 face=Arial>Balance, end of year</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>$</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left></TD></TR></TABLE>


<P style="TEXT-ALIGN: left"><B><FONT size=2 face=Arial>NOTE 9 &#8211; Deposits</FONT></B></P>
<P style="TEXT-ALIGN: left"><FONT size=2 face=Arial>The following is a detail of the deposit accounts:</FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>

<TR vAlign=bottom>
   <TD style="BORDER-TOP: #000000 1.5pt solid" width="95%" noWrap align=left></TD>
   <TD style="BORDER-TOP: #000000 1.5pt solid" width="1%" noWrap align=right></TD>
   <TD style="BORDER-TOP: #000000 1.5pt solid" width="4%" colSpan=4 noWrap align=right>&nbsp;</TD></TR>
<TR vAlign=bottom>
   <TD width="95%" noWrap align=left></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="4%" colSpan=4 noWrap align=right><B><FONT size=1 face=Arial>December 31,</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="95%" noWrap align=left><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>2019</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial>2018</FONT></B></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="95%" noWrap align=left><FONT size=2 face=Arial>Noninterest bearing</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>$</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>397,331</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>346,570</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD width="95%" noWrap align=left><FONT size=2 face=Arial>Interest bearing:</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 95%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>NOW accounts</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>228,680</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>186,795</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 95%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Money market accounts</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>898,923</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>730,765</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 95%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Savings</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>16,258</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>15,486</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 95%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Time, less than $100,000</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>47,941</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>63,073</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="padding-left: 15pt; border-bottom: #000000 1pt solid; width: 95%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Time, $100,000 and over</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>286,991</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>305,447</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="padding-left: 30pt; border-bottom: #000000 1.5pt solid; width: 95%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Total deposits</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>$</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>1,876,124</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>1,648,136</FONT></TD></TR></TABLE>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>At December 31, 2019 and 2018, time deposits greater than $250,000 were $220.1 million and $214.0 million, respectively.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Also, at December 31, 2019 and 2018, the Company had approximately $67.4 million and $79.3 million, respectively, of time deposits that were obtained outside of the Company&#8217;s primary market. Interest expense on time deposits greater than $100,000 was $6.9 million for the year ended December 31, 2019, $4.7 million for the year ended December 31, 2018, and $2.7 million for the year ended December 31, 2017.</FONT></P>
<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>86</FONT></P>
<HR align=center SIZE=2 width="100%" noShade>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV>

<P align ="left"><font size=2 face=Arial><A HREF="#toc"><B>Table of Contents</B></A></FONT></P>


<P style="TEXT-ALIGN: left"><FONT size=2 face=Arial>At December 31, 2019 the scheduled maturities of certificates of deposit are as follows:</FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>

<TR vAlign=bottom>
   <TD style="BORDER-TOP: #000000 1.5pt solid" width="97%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD style="BORDER-TOP: #000000 1.5pt solid" width="1%" noWrap align=right></TD>
   <TD style="BORDER-TOP: #000000 1.5pt solid" width="1%" noWrap align=right></TD>
   <TD style="BORDER-TOP: #000000 1.5pt solid" width="1%" noWrap align=left>&nbsp;</TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 97%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="97%" noWrap align=left><FONT size=2 face=Arial>2020</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>$</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>277,342</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD width="97%" noWrap align=left><FONT size=2 face=Arial>2021</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>38,528</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="97%" noWrap align=left><FONT size=2 face=Arial>2022</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>10,783</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD width="97%" noWrap align=left><FONT size=2 face=Arial>2023</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>6,133</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 97%; white-space: nowrap; text-align: left; border-bottom: Black 1px solid"><FONT size=2 face=Arial>2024 and after</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1px solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1px solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1px solid"><FONT size=2 face=Arial>2,146</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 97%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>$</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>334,932</FONT></TD></TR></TABLE>

<P style="TEXT-ALIGN: left"><B><FONT size=2 face=Arial>NOTE 10 &#8211; Federal Home Loan Bank Advances and Other Borrowings</FONT></B></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>At December 31, 2019 and 2018, the Company had $110.0 million and $50.0 million in FHLB Advances, respectively.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The FHLB advances are secured with approximately $716.0 million of mortgage loans and $6.4 million of stock in the FHLB. During the fourth quarter of 2019, the Company paid off $25.0 million of fixed rate FHLB advances with an average cost of 3.36% and incurred a loss on extinguishment of debt of $1.5 million.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Listed below is a summary of the terms and maturities of the advances outstanding at December 31, 2019 and 2018. The $110.0 million outstanding at December 31, 2019 was at a variable rate.</FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>

<TR vAlign=bottom>
   <TD style="BORDER-TOP: #000000 1.5pt solid" width="90%" noWrap align=left></TD>
   <TD style="BORDER-TOP: #000000 1.5pt solid" width="1%" noWrap align=right></TD>
   <TD style="BORDER-TOP: #000000 1.5pt solid" width="9%" colSpan=9 noWrap align=right>&nbsp;<B><FONT size=1 face=Arial></FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD width="90%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="9%" colSpan=9 noWrap align=right><B><FONT size=1 face=Arial>December 31,</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="90%" noWrap align=left><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial>2019</FONT></B></TD>
   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial>2018</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="90%" noWrap align=left><B><FONT size=1 face=Arial>Maturity</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=1 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial>Amount</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=1 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial>Rate</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=1 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial>Amount</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=1 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial>Rate</FONT></B></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="90%" noWrap align=left><FONT size=2 face=Arial>December 31, 2019</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>$</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-%</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>$</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>25,000</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>2.65</FONT><FONT size=2 face=Arial>%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD width="90%" noWrap align=left><FONT size=2 face=Arial>July 7, 2022</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-%</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>10,000</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>3.11</FONT><FONT size=2 face=Arial>%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="90%" noWrap align=left><FONT size=2 face=Arial>July 7, 2023</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-%</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>15,000</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>3.53</FONT><FONT size=2 face=Arial>%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 90%; white-space: nowrap; text-align: left; border-bottom: Black 1px solid"><FONT size=2 face=Arial>December 31, 2020</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1px solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1px solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1px solid"><FONT size=2 face=Arial>110,000</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1px solid"><FONT size=2 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1px solid"><FONT size=2 face=Arial>1.78</FONT><FONT size=2 face=Arial>%</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1px solid"><FONT size=2 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1px solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1px solid"><FONT size=2 face=Arial>-</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1px solid"><FONT size=2 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1px solid"><FONT size=2 face=Arial>-%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="90%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>$</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>110,000</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>1.78</FONT><FONT size=2 face=Arial>%</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>$</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>50,000</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>3.01</FONT><FONT size=2 face=Arial>%</FONT></TD></TR></TABLE>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The Company also has an unsecured, interest only line of credit for $15 million with another financial institution which was unused at December 31, 2019. The line of credit bears interest at LIBOR plus 2.50% and matures on June 30, 2020. The loan agreement contains various financial covenants related to capital, earnings and asset quality.</FONT></P>
<P style="TEXT-ALIGN: left"><B><FONT size=2 face=Arial>NOTE 11 &#8211; Subordinated Debentures</FONT></B></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>On June 26, 2003, Greenville First Statutory Trust I (a non-consolidated subsidiary) issued $6.0 million floating rate trust preferred securities with a maturity of June 26, 2033. At December 31, 2019, the interest rate was 5.05% and is indexed to the 3-month LIBOR rate plus 3.10% and adjusted quarterly. The Company received from the Trust the $6.0 million proceeds from the issuance of the securities and the $186,000 initial proceeds from the capital investment in the Trust, and accordingly has shown the funds due to the Trust as $6.2 million junior subordinated debentures.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>On December 22, 2005, Greenville First Statutory Trust II (a non-consolidated subsidiary) issued $7.0 million floating rate trust preferred securities with a maturity of December 22, 2035. At December 31, 2019, the interest rate was 3.40% and is indexed to the 3-month LIBOR rate plus 1.44% and adjusted quarterly. The Company received from the Trust the $7.0 million proceeds from the issuance of the securities and the $217,000 initial proceeds from the capital investment in the Trust, and accordingly has shown the funds due to the Trust as $7.2 million junior subordinated debentures.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The current regulatory rules allow certain amounts of junior subordinated debentures to be included in the calculation of regulatory capital. However, provisions within the Dodd-Frank Act prohibit institutions that had more than $15 billion in assets on December 31, 2009 from including trust preferred securities as Tier 1 capital beginning in 2013, with one-third phased out over the two years ending in 2015. Financial institutions with less than $15 billion in total assets, such as the Bank, may continue to include their trust preferred securities issued prior to May 19, 2010 in Tier 1 capital, but cannot include in Tier 1 capital trust preferred securities issued after such date.</FONT></P>
<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>87</FONT></P>
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<P STYLE="text-align: justify"><FONT size=2 face=Arial>On September 30, 2019, the Company entered into Subordinated Note Purchase Agreements (collectively, the &#8220;Purchase Agreement&#8221;) with certain qualified institutional buyers and accredited investors (the &#8220;Purchasers&#8221;) pursuant to which the Company sold and issued $23.0 million in aggregate principal amount of its 4.75% Fixed-to-Floating Rate Subordinated Notes due 2029 (the &#8220;Notes&#8221;). The Notes were offered and sold by the Company to eligible purchasers in a private offering in reliance on the exemption from the registration requirements of Section 4(a)(2) of the Securities Act of 1933, as amended (the &#8220;Securities Act&#8221;) and the provisions of Regulation D promulgated thereunder (the &#8220;Private Placement&#8221;). The Company intends to use the proceeds from the offering, which were approximately $22.5 million, for general corporate purposes, including providing capital to the Bank and supporting organic growth.</FONT></P>
<P STYLE="text-align: justify"><FONT size=2 face=Arial>The Notes have a ten-year term and, from and including the date of issuance to but excluding September 30, 2024, will bear interest at a fixed annual rate of 4.75%, payable semi-annually in arrears, for the first five years of the term. From and including September 30, 2024 to but excluding the maturity date or early redemption date, the interest rate shall reset quarterly to an interest rate per annum equal to a benchmark rate (which is expected to be Three-Month Term SOFR) plus 340.8 basis points, payable quarterly in arrears. As provided in the Notes, the interest rate on the Notes during the applicable floating rate period may be determined based on a rate other than Three-Month Term SOFR.</FONT></P>
<P STYLE="text-align: justify"><FONT size=2 face=Arial>The Notes are redeemable, in whole or in part, on September 30, 2024, on any interest payment date thereafter, and at any time upon the occurrence of certain events. The Purchase Agreement contains certain customary representations, warranties and covenants made by the Company, on the one hand, and the Purchasers, severally and not jointly, on the other hand.</FONT></P>
<P STYLE="text-align: justify"><FONT size=2 face=Arial>On September 30, 2019, in connection with the sale and issuance of the Notes, the Company entered into a Registration Rights Agreement (the &#8220;Registration Rights Agreement&#8221;) with the Purchasers. Under the terms of the Registration Rights Agreement, the Company has agreed to take certain actions to provide for the exchange of the Notes for subordinated notes that are registered under the Securities Act and have substantially the same terms as the Notes (the &#8220;Exchange Notes&#8221;). Under certain circumstances, if the Company fails to meet its obligations under the Registration Rights Agreement, it would be required to pay additional interest to the holders of the Notes.</FONT></P>
<P STYLE="text-align: justify"><FONT size=2 face=Arial>The Notes were issued under an Indenture, dated September 30, 2019 (the &#8220;Indenture&#8221;), by and between the Company and UMB Bank, National Association, as trustee. The Notes are not subject to any sinking fund and are not convertible into or, other than with respect to the Exchange Notes, exchangeable for any other securities or assets of the Company or any of its subsidiaries. The Notes are not subject to redemption at the option of the holder. The Notes are unsecured, subordinated obligations of the Company only and are not obligations of, and are not guaranteed by, any subsidiary of the Company. The Notes rank junior in right to payment to the Company&#8217;s current and future senior indebtedness. The Notes are intended to qualify as Tier 2 capital for regulatory capital purposes for the Company.</FONT></P>
<P style="TEXT-ALIGN: left"><B><FONT size=2 face=Arial>NOTE 12 &#8211; Unused Lines of Credit</FONT></B></P>
<P STYLE="text-align: justify"><FONT size=2 face=Arial>At December 31, 2019, the Company had four lines of credit to purchase federal funds that totaled $72.0 million which were unused at December 31, 2019. The lines of credit are available on a one to 14 day basis for general corporate purposes of the Company. The lender has reserved the right to withdraw the line at their option. The Company has an additional line of credit with the FHLB to borrow funds, subject to a pledge of qualified collateral. The Company has collateral that would support approximately $312.4 million in additional borrowings with the FHLB at December 31, 2019.</FONT></P>
<P style="TEXT-ALIGN: left"><B><FONT size=2 face=Arial>NOTE 13 &#8211; Derivative Financial Instruments</FONT></B></P>
<P STYLE="text-align: justify"><FONT size=2 face=Arial>The Company utilizes derivative financial instruments primarily to hedge its exposure to changes in interest rates. All derivative financial instruments are recognized as either assets or liabilities and measured at fair value. The Company accounts for all of its derivatives as free-standing derivatives and does not designate any of these instruments for hedge accounting. Therefore, the gain or loss resulting from the change in the fair value of the derivative is recognized in the Company&#8217;s statement of income during the period of change.</FONT></P>
<P STYLE="text-align: justify"><FONT size=2 face=Arial>The Company enters into commitments to originate residential mortgage loans held for sale, at specified interest rates and within a specified period of time, with clients who have applied for a loan and meet certain credit and underwriting criteria (interest rate lock commitments). These interest rate lock commitments (&#8220;IRLCs&#8221;) meet the definition of a derivative financial instrument and are reflected in the balance sheet at fair value with changes in fair value recognized in current period earnings. Unrealized gains and losses on the IRLCs are recorded as derivative assets and derivative liabilities, respectively, and are measured based on the value of the underlying mortgage loan, quoted mortgage-backed securities (&#8220;MBS&#8221;) prices and an estimate of the probability that the mortgage loan will fund within the terms of the interest rate lock commitment, net of estimated commission expenses.</FONT></P>
<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>88</FONT></P>
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<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The Company manages the interest rate and price risk associated with its outstanding IRLCs and mortgage loans held for sale by entering into derivative instruments such as forward sales of MBS. Management expects these derivatives will experience changes in fair value opposite to changes in fair value of the IRLCs and mortgage loans held for sale, thereby reducing earnings volatility. The Company takes into account various factors and strategies in determining the portion of the mortgage pipeline (IRLCs and mortgage loans held for sale) it wants to economically hedge.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The following table summarizes the Company&#8217;s outstanding financial derivative instruments at December 31, 2019 and December 31, 2018.</FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>

<TR vAlign=bottom>
   <TD style="BORDER-TOP: #000000 1.5pt solid" width="91%" noWrap align=left></TD>
   <TD style="BORDER-TOP: #000000 1.5pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: #000000 1.5pt solid" width="7%" colSpan=7 noWrap align=right>&nbsp;&nbsp;</TD>
   <TD style="BORDER-TOP: #000000 1.5pt solid" width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD width="91%" noWrap align=left></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="7%" colSpan=7 noWrap align=right><B><FONT size=1 face=Arial>December 31, 2019</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD width="91%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" colSpan=2 noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Fair Value</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="91%" noWrap align=left><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Notional</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial>Balance Sheet Location</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Asset/(Liability)</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="91%" noWrap align=left><FONT size=2 face=Arial>Mortgage loan interest rate lock commitments</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>$</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>26,446</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>Other assets</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;$</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>344</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="91%" noWrap align=left><FONT size=2 face=Arial>MBS forward sales commitments</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>20,500</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>Other liabilities</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>(39</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="91%" noWrap align=left><FONT size=2 face=Arial>Total derivative financial instruments</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>$</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>46,946</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>$</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>305</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left></TD></TR></TABLE> <BR>

<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>

<TR vAlign=bottom>
   <TD width="91%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="7%" colSpan=7 noWrap align=right><B><FONT size=1 face=Arial>December 31, 2018</FONT></B></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD width="91%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" colSpan=2 noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Fair Value</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="91%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Notional</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial>Balance Sheet Location</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Asset/(Liability)</FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="91%" noWrap align=left><FONT size=2 face=Arial>Mortgage loan interest rate lock commitments</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;$</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>20,552</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>Other assets</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;$</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>345</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="91%" noWrap align=left><FONT size=2 face=Arial>MBS forward sales commitments</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>11,750</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>Other liabilities</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>(121</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="91%" noWrap align=left><FONT size=2 face=Arial>Total derivative financial instruments</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>$</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>32,302</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>$</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=right><FONT size=2 face=Arial>224</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="1%" noWrap align=left></TD></TR></TABLE>

<P style="TEXT-ALIGN: left"><B><FONT size=2 face=Arial>NOTE 14 &#8211; Fair Value Accounting</FONT></B></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>FASB ASC 820, &#8220;Fair Value Measurement and Disclosures Topic,&#8221; defines fair value as the exchange price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. FASB ASC 820 also establishes a fair value hierarchy which requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. The standard describes three levels of inputs that may be used to measure fair value:</FONT></P>
<div STYLE="margin-left: 15pt; text-align: justify"><B><FONT size=2 face=Arial>Level 1 &#8211; Quoted market price in active markets<BR></FONT></B><FONT size=2 face=Arial>Quoted prices in active markets for identical assets or liabilities. Level 1 assets and liabilities include certain debt and equity securities that are traded in an active exchange market.</FONT></div>
<div STYLE="margin-left: 15pt; text-align: justify"><B><FONT size=2 face=Arial>Level 2 &#8211; Significant other observable inputs<BR></FONT></B><FONT size=2 face=Arial>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 for substantially the full term of the assets or liabilities. Level 2 assets and liabilities include fixed income securities and mortgage-backed securities that are held in the Company&#8217;s available-for-sale portfolio and valued by a third-party pricing service, as well as certain impaired loans.</FONT></div>
<div STYLE="margin-left: 15pt; text-align: justify"><B><FONT size=2 face=Arial>Level 3 &#8211; Significant unobservable inputs<BR></FONT></B><FONT size=2 face=Arial>Unobservable inputs that are supported by little or no market activity and that are significant to the fair value of the assets or liabilities. Level 3 assets and liabilities include financial instruments whose value is determined using pricing models, discounted cash flow methodologies, or similar techniques, as well as instruments for which the determination of fair value requires significant management judgment or estimation. These methodologies may result in a significant portion of the fair value being derived from unobservable data.</FONT></div>
<P style="TEXT-ALIGN: justify"><I><FONT size=2 face=Arial>Fair Value of Financial Instruments<BR></FONT></I><FONT size=2 face=Arial>Financial instruments require disclosure of fair value information, whether or not recognized in the consolidated balance sheets, when it is practical to estimate the fair value. A financial instrument is defined as cash, evidence of an ownership interest in an entity or a contractual obligation which requires the exchange of cash. Certain items are specifically excluded from the disclosure requirements, including the Company&#8217;s common stock, premises and equipment and other assets and liabilities.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The following is a description of valuation methodologies used to estimate fair value for assets recorded at fair value. Fair value approximates carrying value for the following financial instruments due to the short-term nature of the instrument: cash and due from banks, federal funds sold, other investments, federal funds purchased, and securities sold under agreement to repurchase.</FONT></P>
<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>89</FONT></P>
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<P align ="left"><font size=2 face=Arial><A HREF="#toc"><B>Table of Contents</B></A></FONT></P>


<P style="TEXT-ALIGN: justify"><I><FONT size=2 face=Arial>Investment Securities<BR></FONT></I><FONT size=2 face=Arial>Securities available for sale are valued on a recurring basis at quoted market prices where available. If quoted market prices are not available, fair values are based on quoted market prices of comparable securities. Level 1 securities include those traded on an active exchange, such as the New York Stock Exchange or U.S. Treasury securities that are traded by dealers or brokers in active over-the-counter markets and money market funds. Level 2 securities include mortgage-backed securities and debentures issued by government sponsored entities, municipal bonds and corporate debt securities. In certain cases where there is limited activity or less transparency around inputs to valuations, securities are classified as Level 3 within the valuation hierarchy. Securities held to maturity are valued at quoted market prices or dealer quotes similar to securities available for sale. The carrying value of Other Investments, such as Federal Reserve Bank and FHLB stock, approximates fair value based on their redemption provisions.</FONT></P>
<P style="TEXT-ALIGN: justify"><I><FONT size=2 face=Arial>Mortgage Loans Held for Sale<BR></FONT></I><FONT size=2 face=Arial>Loans held for sale include mortgage loans which are saleable into the secondary mortgage markets and their fair values are estimated using observable quoted market or contracted prices or market price equivalents, which would be used by other market participants. These saleable loans are considered Level 2.</FONT></P>
<P style="TEXT-ALIGN: justify"><I><FONT size=2 face=Arial>Impaired Loans<BR></FONT></I><FONT size=2 face=Arial>The Company does not record loans at fair value on a recurring basis. However, from time to time, a loan may be considered impaired and an allowance for loan losses may be established. Loans for which it is probable that payment of interest and principal will not be made in accordance with the contractual terms of the loan agreement are considered impaired. Once a loan is identified as individually impaired, management measures the impairment in accordance with FASB ASC 310, &#8220;Receivables.&#8221; The fair value of impaired loans is estimated using one of several methods, including collateral value, market value of similar debt, enterprise value, liquidation value and discounted cash flows. Those impaired loans not requiring an allowance represent loans for which the fair value of the expected repayments or collateral exceed the recorded investments in such loans. In accordance with FASB ASC 820, &#8220;Fair Value Measurement and Disclosures,&#8221; impaired loans where an allowance is established based on the fair value of collateral require classification in the fair value hierarchy. When the fair value of the collateral is based on an observable market price or a current appraised value, the Company considers the impaired loan as nonrecurring Level 2. The Company&#8217;s current loan and appraisal policies require the Company to obtain updated appraisals on an &#8220;as is&#8221; basis at renewal, or in the case of an impaired loan, on an annual basis, either through a new external appraisal or an appraisal evaluation. When an appraised value is not available or management determines the fair value of the collateral is further impaired below the appraised value and there is no observable market price, the Company considers the impaired loan as nonrecurring Level 3. The fair value of impaired loans may also be estimated using the present value of expected future cash flows to be realized on the loan, which is also considered a Level 3 valuation. These fair value estimates are subject to fluctuations in assumptions about the amount and timing of expected cash flows as well as the choice of discount rate used in the present value calculation.</FONT></P>
<P style="TEXT-ALIGN: justify"><I><FONT size=2 face=Arial>Other Real Estate Owned<BR></FONT></I><FONT size=2 face=Arial>OREO, consisting of properties obtained through foreclosure or in satisfaction of loans, is reported at the lower of cost or fair value, determined on the basis of current appraisals, comparable sales, and other estimates of value obtained principally from independent sources, adjusted for estimated selling costs (Level 2). At the time of foreclosure, any excess of the loan balance over the fair value of the real estate held as collateral is treated as a charge against the allowance for loan losses. Gains or losses on sale and generally any subsequent adjustments to the value are recorded as a component of real estate owned activity. When an appraised value is not available or management determines the fair value of the collateral is further impaired below the appraised value and there is no observable market price, the Company considers the OREO as nonrecurring Level 3.</FONT></P>
<P style="TEXT-ALIGN: justify"><I><FONT size=2 face=Arial>Derivative Financial Instruments<BR></FONT></I><FONT size=2 face=Arial>The Company estimates the fair value of IRLCs based on the value of the underlying mortgage loan, quoted MBS prices and an estimate of the probability that the mortgage loan will fund within the terms of the IRLC, net of commission expenses (Level 2). The Company estimates the fair value of forward sales commitments based on quoted MBS prices (Level 2).</FONT></P>
<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>90</FONT></P>
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<P align ="left"><font size=2 face=Arial><A HREF="#toc"><B>Table of Contents</B></A></FONT></P>



<P style="TEXT-ALIGN: justify"><I><FONT size=2 face=Arial>Assets and Liabilities Recorded at Fair Value on a Recurring Basis<BR></FONT></I><FONT size=2 face=Arial>The tables below present the recorded amount of assets and liabilities measured at fair value on a recurring basis.</FONT></P>

<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR STYLE="vertical-align: bottom">
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD COLSPAN="8" STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD></TR>
<TR vAlign=bottom>

   <TD width="83%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD COLSPAN="8" STYLE="width: 16%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>December 31, 2019</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 83%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD COLSPAN="2" STYLE="width: 4%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Level 1</FONT></B></TD>

   <TD STYLE="width: 1%; text-align: right; border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Level 2</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Level 3</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Total</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 83%; white-space: nowrap; text-align: left; background-color: Silver"><B><FONT size=2 face=Arial>Assets</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><B><FONT size=2 face=Arial></FONT></B></TD>

   <TD STYLE="width: 1%; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 83%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Securities available for sale:</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; text-align: left"></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: left"></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="padding-left: 30pt; width: 83%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial>US government agencies</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; text-align: left; background-color: Silver"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>499</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>499</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 83%; white-space: nowrap; text-align: left; padding-left: 30pt"><FONT size=2 face=Arial>SBA securities</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; text-align: left"></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>531</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>531</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="padding-left: 30pt; width: 83%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial>State and political subdivisions</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>4,184</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>4,184</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 83%; white-space: nowrap; text-align: left; padding-left: 30pt"><FONT size=2 face=Arial>Asset-backed securities</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; text-align: left"></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>13,167</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>13,167</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="padding-left: 30pt; width: 83%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial>Mortgage-backed securities</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>49,313</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>49,313</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 83%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Mortgage loans held for sale</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; text-align: left"></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>27,046</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>27,046</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="padding-left: 15pt; background-color: Silver; width: 83%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Mortgage loan interest rate lock commitments</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; background-color: Silver; width: 2%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>344</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>344</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="padding-left: 30pt; width: 83%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Total assets measured at fair value on a recurring basis</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; text-align: left"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>95,084</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>95,084</FONT></TD></TR>

<TR vAlign=bottom>

   <TD width="83%" noWrap align=left>&nbsp;</TD>

   <TD width="1%" noWrap align=left></TD>

   <TD STYLE="width: 1%; text-align: left"></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: left"></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 83%; white-space: nowrap; text-align: left; background-color: Silver"><B><FONT size=2 face=Arial>Liabilities</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><B><FONT size=2 face=Arial></FONT></B></TD>

   <TD STYLE="width: 1%; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="padding-left: 15pt; width: 83%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>MBS forward sales commitments</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; text-align: left"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>39</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>39</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="padding-left: 30pt; background-color: Silver; width: 83%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>Total liabilities measured at fair value on a recurring basis</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; text-align: left"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: Silver; width: 2%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>39</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>39</FONT></TD></TR>

<TR vAlign=bottom>

   <TD width="83%" noWrap align=left>&nbsp;</TD>

   <TD width="1%" noWrap align=left></TD>

   <TD STYLE="width: 1%; text-align: left"></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: left"></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="7%" colSpan=3 noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="83%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD COLSPAN="8" STYLE="width: 16%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>December 31, 2018</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 83%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>

   <TD COLSPAN="2" STYLE="width: 4%; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Level 1</FONT></B></TD>

   <TD STYLE="width: 1%; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Level 2</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Level 3</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Total</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 83%; white-space: nowrap; text-align: left; background-color: Silver"><B><FONT size=2 face=Arial>Assets</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><B><FONT size=2 face=Arial></FONT></B></TD>

   <TD STYLE="width: 1%; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 83%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Securities available for sale:</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; text-align: left"></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: left"></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="padding-left: 30pt; width: 83%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial>US government agencies</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; text-align: left; background-color: Silver"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>8,782</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>8,782</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 83%; white-space: nowrap; text-align: left; padding-left: 30pt"><FONT size=2 face=Arial>SBA securities</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; text-align: left"></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>3,525</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>3,525</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="padding-left: 30pt; width: 83%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial>State and political subdivisions</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>8,356</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>8,356</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 83%; white-space: nowrap; text-align: left; padding-left: 30pt"><FONT size=2 face=Arial>Asset-backed securities</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; text-align: left"></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>9,558</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>9,558</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="padding-left: 30pt; width: 83%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial>Mortgage-backed securities</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>44,684</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>44,684</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 83%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Mortgage loans held for sale</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; text-align: left"></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>9,241</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>9,241</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="padding-left: 15pt; background-color: Silver; width: 83%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Mortgage loan interest rate lock commitments</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; background-color: Silver; width: 2%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>345</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>345</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="padding-left: 30pt; width: 83%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Total assets measured at fair value on a recurring basis</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; text-align: left"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>84,491</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>84,491</FONT></TD></TR>

<TR vAlign=bottom>

   <TD width="83%" noWrap align=left>&nbsp;</TD>

   <TD width="1%" noWrap align=left></TD>

   <TD STYLE="width: 1%; text-align: left"></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: left"></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 83%; white-space: nowrap; text-align: left; background-color: Silver"><B><FONT size=2 face=Arial>Liabilities</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><B><FONT size=2 face=Arial></FONT></B></TD>

   <TD STYLE="width: 1%; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="padding-left: 15pt; width: 83%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>MBS forward sales commitments</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; text-align: left"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>121</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>121</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="padding-left: 30pt; background-color: Silver; width: 83%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>Total liabilities measured at fair value on a recurring basis</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; text-align: left"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: Silver; width: 2%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>121</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>121</FONT></TD></TR></TABLE>


<P style="TEXT-ALIGN: justify"><I><FONT size=2 face=Arial>Assets and Liabilities Recorded at Fair Value on a Nonrecurring Basis<BR></FONT></I><FONT size=2 face=Arial>The Company is predominantly an asset based lender with real estate serving as collateral on more than 83% of loans as of December 31, 2019. Loans which are deemed to be impaired are valued net of the allowance for loan losses, and other real estate owned is valued at the lower of cost or net realizable value of the underlying real estate collateral. Such market values are generally obtained using independent appraisals, which the Company considers to be level 2 inputs. The tables below present the recorded amount of assets and liabilities measured at fair value on a nonrecurring basis.</FONT></P>

<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR STYLE="vertical-align: bottom">
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD COLSPAN="8" STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD></TR>
<TR vAlign=bottom>

   <TD width="83%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD COLSPAN="8" STYLE="width: 16%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>December 31, 2019</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 83%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD COLSPAN="2" STYLE="width: 4%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Level 1</FONT></B></TD>

   <TD STYLE="width: 1%; text-align: right; border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Level 2</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Level 3</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Total</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 83%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial>Assets</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 83%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Impaired loans</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>5,634</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>4,941</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>10,575</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="background-color: Silver; width: 83%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>Total assets measured at fair value on a nonrecurring basis</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>5,634</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>4,941</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>10,575</FONT></TD></TR>

<TR vAlign=bottom>

   <TD width="83%" noWrap align=left>&nbsp;</TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="16%" colSpan=8 noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="83%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD COLSPAN="8" STYLE="width: 16%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>December 31, 2018</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 83%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD COLSPAN="2" STYLE="width: 4%; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Level 1</FONT></B></TD>

   <TD STYLE="width: 1%; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Level 2</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Level 3</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Total</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 83%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial>Assets</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 83%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Impaired loans</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>2,190</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>8,368</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>10,558</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="background-color: Silver; width: 83%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>Total assets measured at fair value on a nonrecurring basis</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>2,190</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>8,368</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>10,558</FONT></TD></TR></TABLE>

<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>91</FONT></P>

<HR align=center SIZE=2 width="100%" noShade>



<DIV style="PAGE-BREAK-BEFORE: always"></DIV>

<P align ="left"><font size=2 face=Arial><A HREF="#toc"><B>Table of Contents</B></A></FONT></P>



<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The Company had no liabilities carried at fair value or measured at fair value on a nonrecurring basis.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>For Level 3 assets and liabilities measured at fair value on a recurring or nonrecurring basis as of December 31, 2019, the significant unobservable inputs used in the fair value measurements were as follows:</FONT></P>

<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom>

   <TD STYLE="width: 25%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="width: 22%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Valuation Technique</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="width: 30%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Significant Unobservable Inputs</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="width: 20%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Range of Inputs</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; width: 25%; text-align: left; background-color: Silver"><FONT size=2 face=Arial>Impaired loans</FONT></TD>

   <TD STYLE="vertical-align: top; width: 1%; text-align: left; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="vertical-align: top; width: 22%; text-align: left; background-color: Silver"><FONT size=2 face=Arial>Appraised Value/<BR>Discounted Cash Flows</FONT></TD>

   <TD STYLE="vertical-align: top; width: 1%; text-align: left; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="vertical-align: top; width: 30%; text-align: left; background-color: Silver"><FONT size=2 face=Arial>Discounts to appraisals or cash flows for estimated holding and/or selling costs or age of appraisal</FONT></TD>

   <TD STYLE="vertical-align: top; width: 1%; text-align: left; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="vertical-align: top; width: 20%; text-align: right; background-color: Silver"><FONT size=2 face=Arial>0-25%</FONT></TD></TR>

<TR vAlign=bottom>

   <TD vAlign=top width="25%" align=left><FONT size=2 face=Arial>Other real estate owned</FONT></TD>

   <TD vAlign=top width="1%" align=left><FONT size=2 face=Arial></FONT></TD>

   <TD vAlign=top width="22%" align=left><FONT size=2 face=Arial>Appraised Value/<BR>Comparable Sales</FONT></TD>

   <TD vAlign=top width="1%" align=left><FONT size=2 face=Arial></FONT></TD>

   <TD vAlign=top width="30%" align=left><FONT size=2 face=Arial>Discounts to appraisals for estimated holding or selling costs</FONT></TD>

   <TD vAlign=top width="1%" align=left><FONT size=2 face=Arial></FONT></TD>

   <TD vAlign=top width="20%" align=right><FONT size=2 face=Arial>0-25%</FONT></TD></TR></TABLE>


<P style="TEXT-ALIGN: justify"><I><FONT size=2 face=Arial>Fair Value of Financial Instruments<BR></FONT></I><FONT size=2 face=Arial>Financial instruments require disclosure of fair value information, whether or not recognized in the consolidated balance sheets, when it is practical to estimate the fair value. A financial instrument is defined as cash, evidence of an ownership interest in an entity or a contractual obligation which requires the exchange of cash. Certain items are specifically excluded from the disclosure requirements, including the Company&#8217;s common stock, premises and equipment and other assets and liabilities.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The following is a description of valuation methodologies used to estimate fair value for certain other financial instruments.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Fair value approximates carrying value for the following financial instruments due to the short-term nature of the instrument: cash and due from banks, federal funds sold, other investments, federal funds purchased, and securities sold under agreement to repurchase.</FONT></P>

<P style="TEXT-ALIGN: justify"><I><FONT size=2 face=Arial>Loans </FONT></I><FONT size=2 face=Arial>&#8211; The valuation of loans held for investment is estimated using the exit price notion which incorporates factors, such as enhanced credit risk, illiquidity risk and market factors that sometimes exist in exit prices in dislocated markets. This credit risk assumption is intended to approximate the fair value that a market participant would realize in a hypothetical orderly transaction. The Company&#8217;s loan portfolio is initially fair valued using a segmented approach, using the eight categories as disclosed in Note 4 &#8211; Loans and Allowance for Loan Losses. Loans are considered a Level 3 classification.</FONT></P>

<P style="TEXT-ALIGN: justify"><I><FONT size=2 face=Arial>Deposits &#8211; </FONT></I><FONT size=2 face=Arial>Fair value for demand deposit accounts and interest-bearing accounts with no fixed maturity date is equal to the carrying value. The fair value of certificate of deposit accounts are estimated by discounting cash flows from expected maturities using current interest rates on similar instruments.</FONT></P>

<P style="TEXT-ALIGN: justify"><I><FONT size=2 face=Arial>FHLB Advances and Other Borrowings &#8211; </FONT></I><FONT size=2 face=Arial>Fair value for FHLB advances and other borrowings are estimated by discounting cash flows from expected maturities using current interest rates on similar instruments.</FONT></P>

<P style="TEXT-ALIGN: justify"><I><FONT size=2 face=Arial>Subordinated debentures </FONT></I><FONT size=2 face=Arial>&#8211; Fair value for subordinated debentures are estimated by discounting cash flows from expected maturities using current interest rates on similar instruments.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The Company has used management&#8217;s best estimate of fair value based on the above assumptions. Thus, the fair values presented may not be the amounts that could be realized in an immediate sale or settlement of the instrument. In addition, any income taxes or other expenses, which would be incurred in an actual sale or settlement, are not taken into consideration in the fair value presented.</FONT></P>

<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>92</FONT></P>

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<DIV style="PAGE-BREAK-BEFORE: always"></DIV>

<P align ="left"><font size=2 face=Arial><A HREF="#toc"><B>Table of Contents</B></A></FONT></P>



<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The estimated fair values of the Company&#8217;s financial instruments at December 31, 2019 and 2018 are as follows:</FONT></P>

<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom>

   <TD STYLE="width: 79%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-top: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-top: Black 1.5pt solid"></TD>

   <TD COLSPAN="3" STYLE="width: 7%; white-space: nowrap; text-align: right; border-top: Black 1.5pt solid">&nbsp;<B><FONT size=1 face=Arial></FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="79%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD COLSPAN="10" STYLE="width: 20%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>December 31, 2019</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 79%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>

   <TD COLSPAN="2" STYLE="width: 4%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Carrying</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Fair</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Level 1</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Level 2</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Level 3</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 79%; white-space: nowrap; text-align: left; background-color: Silver"><B><FONT size=2 face=Arial>Financial Assets:</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><B><FONT size=2 face=Arial></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Other investments, at cost</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>$</FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>6,948</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>6,948</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>6,948</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="background-color: Silver; width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Loans<SUP>(1)</SUP></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>1,914,870</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>1,900,216</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>1,900,216</FONT></TD></TR>

<TR vAlign=bottom>

   <TD width="79%" noWrap align=left><B><FONT size=2 face=Arial>Financial Liabilities:</FONT></B></TD>

   <TD width="1%" noWrap align=left><B><FONT size=2 face=Arial></FONT></B></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="background-color: Silver; width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Deposits</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>1,876,124</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>1,772,121</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>1,772,121</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>-</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>FHLB and other borrowings</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>110,000</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>109,737</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>109,737</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="background-color: Silver; padding-left: 15pt; width: 79%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>Subordinated debentures</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="background-color: Silver; width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>35,890</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>33,250</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>33,250</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>-</FONT></TD></TR>

<TR vAlign=bottom>

   <TD width="79%" noWrap align=left>&nbsp;</TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="20%" colSpan=10 noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="79%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD COLSPAN="10" STYLE="width: 20%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>December 31, 2018</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 79%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD COLSPAN="2" STYLE="width: 4%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Carrying</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Fair</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Level 1</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Level 2</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Level 3</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 79%; white-space: nowrap; text-align: left; background-color: Silver"><B><FONT size=2 face=Arial>Financial Assets:</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><B><FONT size=2 face=Arial></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Other investments, at cost</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>$</FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>4,121</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>4,121</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>4,121</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="background-color: Silver; width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Loans<SUP>(1)</SUP></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>1,648,998</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>1,618,618</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>1,618,618</FONT></TD></TR>

<TR vAlign=bottom>

   <TD width="79%" noWrap align=left><B><FONT size=2 face=Arial>Financial Liabilities:</FONT></B></TD>

   <TD width="1%" noWrap align=left><B><FONT size=2 face=Arial></FONT></B></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="background-color: Silver; width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Deposits</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>1,648,136</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>1,515,123</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>1,515,123</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>-</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>FHLB and other borrowings</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>50,000</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>50,147</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>50,147</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="background-color: Silver; padding-left: 15pt; width: 79%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>Subordinated debentures</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="background-color: Silver; width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>13,403</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>14,807</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>14,807</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>-</FONT></TD></TR></TABLE>

<BR>

<TABLE style="LINE-HEIGHT: normal; font-size: 7pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; padding-right: 8pt"><FONT size=1 face=Arial><SUP>(1)</SUP></FONT></TD>

   <TD width="99%" noWrap align=left><FONT size=1 face=Arial>Carrying amount is net of the allowance for loan losses and previously presented impaired loans.</FONT></TD></TR></TABLE>


<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>NOTE 15 &#8211; Earnings Per Common Share</FONT></B></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The following schedule reconciles the numerators and denominators of the basic and diluted earnings per share computations for the years ended December 31, 2019, 2018 and 2017. Dilutive common shares arise from the potentially dilutive effect of the Company&#8217;s stock options and warrants that are outstanding. The assumed conversion of stock options and warrants can create a difference between basic and dilutive net income per common share.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>At December 31, 2019, 2018 and 2017, options totaling 94,885, 195,425, and 107,015, respectively, were anti-dilutive in the calculation of earnings per share as their exercise price exceeded the fair market value. These options were therefore excluded from the diluted earnings per share calculation.</FONT></P>

<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR STYLE="vertical-align: bottom">
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD COLSPAN="7" STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD></TR>
<TR vAlign=bottom>

   <TD width="86%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD COLSPAN="7" STYLE="width: 13%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>December 31,</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 86%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>(dollars in thousands, except share data)</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD COLSPAN="2" STYLE="width: 4%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2019</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD COLSPAN="2" STYLE="width: 4%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2018</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2017</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="86%" noWrap align=left><FONT size=2 face=Arial>Numerator:</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="padding-left: 15pt; width: 86%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Net income</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>27,858</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>&nbsp;$</FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>22,289</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>13,045</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="padding-left: 15pt; width: 86%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Net income available to common shareholders</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>27,858</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>22,289</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>13,045</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="86%" noWrap align=left><FONT size=2 face=Arial>Denominator:</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 86%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Weighted-average common shares outstanding - basic</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>7,528,283</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>7,384,200</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>7,005,703</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="padding-left: 15pt; width: 86%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Common stock equivalents</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>244,261</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>353,295</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>387,674</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="padding-left: 15pt; width: 86%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Weighted-average common shares outstanding - diluted</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>7,772,544</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>7,737,495</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>7,393,377</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="86%" noWrap align=left><FONT size=2 face=Arial>Earnings per common share:</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 86%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Basic</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>$</FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>3.70</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>$</FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>3.02</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1.86</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="padding-left: 15pt; width: 86%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>Diluted</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>3.58</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>2.88</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>1.76</FONT></TD></TR></TABLE>


<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>NOTE 16 &#8211; Commitments and Contingencies</FONT></B></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The Company has entered into a three year employment agreement with its chief executive officer and a two year employment agreement with its president and with 12 executive vice presidents. These agreements also include a) an incentive program, b) a stock option plan, c) a one-year non-compete agreement upon termination and a severance payment equal to one year of compensation. The total estimated aggregate salary commitment is approximately $3.3 million.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The Company has an agreement with a data processor which expires in 2023 to provide certain item processing, electronic banking, and general ledger processing services. Components of this contract vary based on transaction and account volume, monthly charges and certain termination fees.</FONT></P>

<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>93</FONT></P>

<HR align=center SIZE=2 width="100%" noShade>



<DIV style="PAGE-BREAK-BEFORE: always"></DIV>

<P align ="left"><font size=2 face=Arial><A HREF="#toc"><B>Table of Contents</B></A></FONT></P>



<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The Company may be subject to litigation and claims in the normal course of business. As of December 31, 2019, management believes there is no material litigation pending.</FONT></P>

<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>NOTE 17 &#8211; Income Taxes</FONT></B></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The components of income tax expense were as follows:</FONT></P>

<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR STYLE="vertical-align: bottom">
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD COLSPAN="8" STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD></TR>
<TR vAlign=bottom>

   <TD width="85%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD COLSPAN="8" STYLE="width: 14%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>For the years ended December 31,</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 85%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD COLSPAN="2" STYLE="width: 4%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2019</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2018</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2017</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="85%" noWrap align=left><FONT size=2 face=Arial>Current income taxes:</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 85%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Federal</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>&nbsp;$</FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>6,791</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>5,536</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>7,139</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="padding-left: 15pt; width: 85%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>State</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1,250</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>990</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>573</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 85%; white-space: nowrap; text-align: left; padding-left: 30pt"><FONT size=2 face=Arial>Total current tax expense</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>8,041</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>6,526</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>7,712</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 85%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Deferred income tax expense (benefit)</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>(420</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>)</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>(125</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>)</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>2,904</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="padding-left: 15pt; width: 85%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>Income tax expense</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>7,621</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>6,401</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>10,616</FONT></TD></TR></TABLE>


<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The following is a summary of the items that caused recorded income taxes to differ from taxes computed using the statutory tax rate:</FONT></P>

<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR STYLE="vertical-align: bottom">
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD COLSPAN="8" STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD></TR>
<TR vAlign=bottom>

   <TD width="84%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD COLSPAN="8" STYLE="width: 14%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>For the years ended December 31,</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 84%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD COLSPAN="2" STYLE="width: 4%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2019</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2018</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2017</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="84%" noWrap align=left><FONT size=2 face=Arial>Tax expense at statutory rate</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>&nbsp;$</FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>7,451</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>6,025</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>8,281</FONT></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 84%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Effect of state income taxes, net of federal benefit</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>987</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>782</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>372</FONT></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 84%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Exempt income</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>(26</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>(34</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>(146</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 84%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Effect of change in federal tax rate</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>2,441</FONT></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 84%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Effect of stock-based compensation</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>(693</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>(248</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>(2</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="padding-left: 15pt; width: 84%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Other</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>(98</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>)</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>(124</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>)</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>(330</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>)</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="border-bottom: Black 1.5pt solid; padding-left: 30pt; width: 84%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Income tax expense</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>7,621</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>6,401</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>10,616</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD></TR></TABLE>


<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Income tax expense for the year ended December 31, 2017 was impacted by the adjustment of our deferred tax assets and liabilities related to the reduction in the U.S. federal statutory income tax rate to 21% under the Tax Act, which was enacted on December 22, 2017. As a result of the new law, we recognized a provisional net tax expense totaling $2.4 million, as noted in the table above.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The components of the deferred tax assets and liabilities are as follows:</FONT></P>

<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR STYLE="vertical-align: bottom">
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD COLSPAN="4" STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD></TR>
<TR vAlign=bottom>

   <TD width="95%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD COLSPAN="4" STYLE="width: 4%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>December 31,</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 95%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2019</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2018</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="95%" noWrap align=left><FONT size=2 face=Arial>Deferred tax assets:</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 95%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Allowance for loan losses</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>3,495</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>3,310</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 95%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Unrealized loss on securities available for sale</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>79</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>244</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 95%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Net deferred loan fees</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>697</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>592</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 95%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Deferred compensation</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,404</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,280</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 95%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Sale of real estate owned</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>128</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 95%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Lease liabilities</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>4,219</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="padding-left: 15pt; width: 95%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Other</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>234</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>130</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 95%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>10,128</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>5,684</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="95%" noWrap align=left><FONT size=2 face=Arial>Deferred tax liabilities:</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 95%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Property and equipment</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,398</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,433</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 95%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Hedging transactions</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>227</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>112</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 95%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Prepaid expenses</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>132</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>107</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 95%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Right-of-use assets</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>4,096</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"><FONT size=2 face=Arial>-</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="padding-left: 15pt; width: 95%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Other</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>12</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 95%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>5,853</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1,664</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="padding-left: 30pt; width: 95%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>Net deferred tax asset</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>4,275</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>4,020</FONT></TD></TR></TABLE>


<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The Company has analyzed the tax positions taken or expected to be taken in its tax returns and concluded it has no liability related to uncertain tax positions.</FONT></P>

<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>94</FONT></P>

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<DIV style="PAGE-BREAK-BEFORE: always"></DIV>

<P align ="left"><font size=2 face=Arial><A HREF="#toc"><B>Table of Contents</B></A></FONT></P>



<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>NOTE 18 &#8211; Related Party Transactions</FONT></B></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Certain directors, executive officers, and companies with which they are affiliated, are clients of and have banking transactions with the Company in the ordinary course of business. These loans were made on substantially the same terms, including interest rates and collateral, as those prevailing at the time for comparable transactions with persons not related to the lender.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>A summary of loan transactions with directors and executive officers, including their affiliates is as follows:</FONT></P>

<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom>

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid">&nbsp;</TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>

   <TD COLSPAN="6" STYLE="width: 10%; white-space: nowrap; text-align: right; border-top: Black 1.5pt solid"><B><FONT size=1 face=Arial></FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="89%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD COLSPAN="5" STYLE="width: 9%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>For the years ended December 31,</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid">&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD COLSPAN="2" STYLE="width: 4%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2019</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2018</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid">&nbsp;</TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="89%" noWrap align=left><FONT size=2 face=Arial>Balance, beginning of year</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>&nbsp;$</FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>13,969</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>15,276</FONT></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="89%" noWrap align=left><FONT size=2 face=Arial>New loans</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>6,709</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>5,686</FONT></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Less loan payments</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>(9,787</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>)</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>(6,993</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>)</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>Balance, end of year</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>10,891</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>13,969</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD></TR></TABLE>


<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Deposits by executive officers and directors and their related interests at December 31, 2019 and 2018, were $2.5 million and $2.7 million, respectively.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The Company has a land lease with a director on the property for a branch office, with monthly payments of $8,256. In addition, the Company periodically enters into various consulting agreements with the director for development, administration and advisory services related to the purchase of property and construction of current and future branch office sites, including the development of the new bank headquarters in Greenville, South Carolina. Payments totaling $600,000 were made to the director for these services during the year ended December 31, 2019. Also, the Company has previously contracted with the director to provide property management services for its four offices in the Greenville market. The Company paid the director approximately $21,000, and $38,000 for these services during 2018 and 2017, respectively.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The Company also utilizes employment recruiting services from a vendor for which one of the Company&#8217;s directors is an owner and serves as the chairman of the board. The Company paid approximately $38,000 to the vendor for the year ended December 31, 2018.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The Company is of the opinion that the lease payments, consulting fees, and recruiting costs represent market costs that could have been obtained in similar &#8220;arms length&#8221; transactions.</FONT></P>

<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>NOTE 19 &#8211; Financial Instruments With Off-Balance Sheet Risk</FONT></B></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>In the ordinary course of business, and to meet the financing needs of its clients, the Company is a party to various financial instruments with off-balance sheet risk. These financial instruments, which include commitments to extend credit and standby letters of credit, involve, to varying degrees, elements of credit and interest rate risk in excess of the amounts recognized in the balance sheets. The contract amount of those instruments reflects the extent of involvement the Company has in particular classes of financial instruments.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The Company&#8217;s exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit and standby letters of credit is represented by the contractual amounts of those instruments. The Company uses the same credit policies in making commitments and conditional obligations as it does for on-balance sheet instruments.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Commitments to extend credit are agreements to lend to a client as long as there is no violation of any material condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require the payment of a fee. At December 31, 2019, unfunded commitments to extend credit were approximately $426.6 million, of which $105.0 million is at fixed rates and $321.6 million is at variable rates. At December 31, 2018, unfunded commitments to extend credit were approximately $399.4 million, of which $130.5 million is at fixed rates and $269.0 million is at variable rates. The Company evaluates each client&#8217;s credit-worthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the Company upon extension of credit, is based on management&#8217;s credit evaluation of the borrower. Collateral varies but may include accounts receivable, inventory, property, plant and equipment, and commercial and residential real estate.</FONT></P>

<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>95</FONT></P>

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<DIV style="PAGE-BREAK-BEFORE: always"></DIV>

<P align ="left"><font size=2 face=Arial><A HREF="#toc"><B>Table of Contents</B></A></FONT></P>



<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>At December 31, 2019 and 2018, there was a $9.9 million and $10.0 million commitment, respectively, under letters of credit. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loan facilities to clients. Collateral varies but may include accounts receivable, inventory, equipment, marketable securities and property. Since most of the letters of credit are expected to expire without being drawn upon, they do not necessarily represent future cash requirements. The fair value of off balance sheet lending commitments are based on fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the counterparties credit standing. The total fair value of such instruments is not material.</FONT></P>

<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>NOTE 20 &#8211; Employee Benefit Plan</FONT></B></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>On January 1, 2000, the Company adopted the Southern First Bancshares, Inc. Profit Sharing and 401(k) Plan for the benefit of all eligible employees. The Company contributes to the Plan annually upon approval by the Board of Directors. Contributions made to the Plan for the years ended December 31, 2019, 2018, and 2017 amounted to $693,000, $587,000, and $476,000, respectively.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The Company also provides a nonqualified deferred compensation plan for 24 executive officers in the form of a Supplemental Executive Retirement Plan (&#8220;SERP&#8221;). The SERP provides retirement income for these officers. As of December 31, 2019 and 2018, the Company had an accrued benefit obligation of $6.7 million and $6.1 million, respectively. The Company incurred expenses related to this plan of $657,000, $940,000, and $792,000 in 2019, 2018, and 2017, respectively.</FONT></P>

<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>NOTE 21 &#8211; Stock-Based Compensation</FONT></B></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Compensation cost is recognized for stock options and restricted stock awards issued to employees and non-employee directors. Compensation cost is measured as the fair value of these awards on their date of grant. A Black-Scholes model is utilized to estimate the fair value of stock options, while the market price of the Company&#8217;s common stock at the date of grant is used as the fair value of restricted stock awards. Compensation cost is recognized over the required service period, generally defined as the vesting period for stock option and restricted stock awards.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The Company&#8217;s stock incentive programs are long-term retention programs intended to attract, retain, and provide incentives for key employees and non-employee directors in the form of incentive and non-qualified stock options and restricted stock.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Stock-based compensation expense was recorded as follows:</FONT></P>

<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR STYLE="vertical-align: bottom">
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD COLSPAN="6" STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD></TR>
<TR vAlign=bottom>

   <TD width="87%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD COLSPAN="6" STYLE="width: 12%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>For the years ended December 31,</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 87%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD COLSPAN="2" STYLE="width: 4%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2019</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2018</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2017</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="87%" noWrap align=left><FONT size=2 face=Arial>Stock option expense</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>&nbsp;&nbsp;$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,270</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,183</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>959</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 87%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Restricted stock grant expense</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>428</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>319</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>299</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 87%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>Total stock-based compensation expense</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>1,698</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>1,502</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>1,258</FONT></TD></TR></TABLE>


<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>Stock Options<BR></FONT></B><FONT size=2 face=Arial>On May 18, 2010, the Company adopted the 2010 Incentive Plan, making available for issuance 366,025 stock options (adjusted for the 10% stock dividends in 2013, 2012, and 2011). The options may be exercised at an exercise price per share based on the fair market value and determined on the date of grant and expire 10 years from the grant date. On May 20, 2014, the Company amended the 2010 Incentive Plan to add an additional 200,000 shares of common stock to be issuable as stock options, for a total of 566,025 shares. As of December 31, 2019, there were 9,275 options available for grant under the 2010 Incentive Plan.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>On May 17, 2016, the Company adopted the 2016 Equity Incentive Plan, making available for issuance 400,000 stock options. The options may be exercised at an exercise price per share based on the fair market value and determined on the date of grant and expire 10 years from the grant date. As of December 31, 2019, there were 174,715 options available for grant under the 2016 Equity Incentive Plan.</FONT></P>

<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>96</FONT></P>

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<P align ="left"><font size=2 face=Arial><A HREF="#toc"><B>Table of Contents</B></A></FONT></P>



<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>A summary of the status of the stock option plan and changes for the period is presented below:</FONT></P>

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   <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>exercise</FONT></B></TD>

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   <TD STYLE="white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>Contractual</FONT></B></TD>

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   <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>exercise</FONT></B></TD>

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   <TD STYLE="white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>Contractual</FONT></B></TD>

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   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>Life</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>Shares</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></TD>

   <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>price</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>Life</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>Shares</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></TD>

   <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>price</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>Life</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="text-align: left"><FONT size=1 face=Arial>Outstanding at beginning of year</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left">&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>648,311</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left">&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>$</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>20.74</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right">&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left">&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>662,841</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left">&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>$</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>15.70</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right">&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left">&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>642,203</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left">&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="white-space: nowrap; text-align: right; text-align: right"><FONT size=1 face=Arial>$</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>11.77</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right">&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Granted</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>101,350</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>32.81</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>94,700</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>43.13</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>110,950</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>35.34</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Exercised</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>(191,497</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial>)</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>9.24</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>(105,630</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial>)</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>8.51</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>(74,437</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial>)</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>9.48</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="border-bottom: Black 1pt solid; padding-left: 15pt; text-align: left"><FONT size=1 face=Arial>Forfeited or expired</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>(16,750</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>)</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>34.01</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>(3,600</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>)</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>40.03</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>(15,875</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>)</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; text-align: right"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>23.49</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="border-bottom: Black 1pt solid; text-align: left"><FONT size=1 face=Arial>Outstanding at end of year</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>541,414</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>$</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>26.65</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>6.3 years</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>648,311</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>$</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>20.74</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>5.6 years</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>662,841</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; text-align: right"><FONT size=1 face=Arial>$</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>15.70</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>5.6 years</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="text-align: left"><FONT size=1 face=Arial>Options exercisable at year-end</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>305,991</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>$</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>20.00</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>4.9 years</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>404,851</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>$</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>12.58</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>4.0 years</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>419,766</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; text-align: right"><FONT size=1 face=Arial>$</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>9.20</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>4.1 years</FONT></TD></TR>


<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="text-align: left"><FONT size=1 face=Arial>Weighted average fair value of options granted during the year</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;$</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>11.81</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;$</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>16.76</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; text-align: right"><FONT size=1 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;$</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>14.14</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left"><FONT size=1 face=Arial>Shares available for grant</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>183,990</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>270,090</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>359,690</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right; text-align: right"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></TD></TR>


</TABLE>


<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The aggregate intrinsic value (the difference between the Company&#8217;s closing stock price on the last trading day of the year and the exercise price, multiplied by the number of in-the-money options) of 541,414 and 648,311 stock options outstanding at December 31, 2019 and 2018 was $8.6 million and $8.7 million, respectively. The aggregate intrinsic value of 305,991 and 404,851 stock options exercisable at December 31, 2019 and 2018 was $6.9 million and $8.0 million, respectively.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The fair value of the option grant is estimated on the date of grant using the Black-Scholes option-pricing model. The following assumptions were used for grants:</FONT></P>

<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>

<TR STYLE="vertical-align: bottom">
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 94%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2019</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2018</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2017</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="94%" noWrap align=left><FONT size=2 face=Arial>Dividend yield</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="94%" noWrap align=left><FONT size=2 face=Arial>Expected life</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>7 years</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>7 years</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>7 years</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="94%" noWrap align=left><FONT size=2 face=Arial>Expected volatility</FONT></TD>

   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>28.21%</FONT></TD>

   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>32.07%</FONT></TD>

   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>34.63%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 94%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>Risk-free interest rate</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>2.59%</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>2.50%</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>2.04%</FONT></TD></TR>


</TABLE>


<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>At December 31, 2019, there was $2.0 million of total unrecognized compensation cost related to nonvested stock option grants. The cost is expected to be recognized over a weighted-average period of 2.4 years. The fair value of stock option grants that vested during 2019, 2018, and 2017 was $1.2 million, $973,000 and $775,000, respectively.</FONT></P>

<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>Restricted Stock Grants</FONT></B><BR><FONT size=2 face=Arial>On May 17, 2016, the Company adopted the 2016 Equity Incentive Plan which included a provision for the issuance of 50,000 shares of common stock to be issuable as restricted stock grants. As of December 31, 2019, 32,349 shares of restricted stock were available for grant.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Shares of restricted stock granted to employees under the stock plans are subject to restrictions as to continuous employment for a specified time period following the date of grant. During this period, the holder is entitled to full voting rights and dividends.</FONT></P>

<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>97</FONT></P>

<HR align=center SIZE=2 width="100%" noShade>



<DIV style="PAGE-BREAK-BEFORE: always"></DIV>

<P align ="left"><font size=2 face=Arial><A HREF="#toc"><B>Table of Contents</B></A></FONT></P>


<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>A summary of the status of the Company&#8217;s nonvested restricted stock and changes for the years ended December 31, 2019, 2018, and 2017 is as follows:</FONT></P>


<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD></TR>


<TR vAlign=bottom>

   <TD width="82%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD COLSPAN="17" STYLE="width: 17%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>December 31,</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="82%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2019</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2018</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2017</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="82%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Weighted</FONT></B></TD>

   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Weighted</FONT></B></TD>

   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Weighted</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="82%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Average</FONT></B></TD>

   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Average</FONT></B></TD>

   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Average</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 82%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>Restricted</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>Grant-Date</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>Restricted</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>Grant-Date</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>Restricted</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>Grant-Date</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="border-bottom: Black 1pt solid; width: 82%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>Shares</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>Fair Value</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>Shares</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>Fair Value</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>Shares</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>Fair Value</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="82%" noWrap align=left><FONT size=2 face=Arial>Nonvested at beginning of year</FONT></TD>

   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>29,625</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"><FONT size=2 face=Arial>$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>34.00</FONT></TD>

   <TD width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>25,000</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"><FONT size=2 face=Arial>$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>26.43</FONT></TD>

   <TD width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>36,125</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"><FONT size=2 face=Arial>$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>20.13</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 82%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Granted</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>14,700</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>33.64</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>13,000</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>42.87</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>6,500</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>35.14</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 82%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Vested</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>(10,375</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>31.61</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>(8,375</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>25.17</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>(17,625</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>16.73</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="border-bottom: Black 1pt solid; width: 82%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Forfeited</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>(1,125</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>)</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>28.03</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>-</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 82%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>Nonvested at end of year</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>32,825</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;$</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>34.78</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>29,625</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;$</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>34.00</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>25,000</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;$</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>26.43</FONT></TD></TR>


</TABLE>


<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>At December 31, 2019, there was $793,000 of total unrecognized compensation cost related to nonvested restricted stock grants. The cost is expected to be recognized over a weighted-average period of 2.6 years.</FONT></P>

<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>NOTE 22 &#8211; Dividends</FONT></B></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The ability of the Company to pay cash dividends is dependent upon receiving cash in the form of dividends from the Bank. The dividends that may be paid by the Bank to the Company are subject to legal limitations and regulatory capital requirements.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Also, the payment of cash dividends on the Company's common stock by the Company in the future will be subject to certain other legal and regulatory limitations (including the requirement that the Company&#8217;s capital be maintained at certain minimum levels) and will be subject to ongoing review by banking regulators. The Federal Reserve has issued a policy statement regarding the payment of dividends by bank holding companies. In general, the Federal Reserve&#8217;s policies provide that dividends should be paid only out of current earnings and only if the prospective rate of earnings retention by the bank holding company appears consistent with the organization&#8217;s capital needs, asset quality and overall financial condition.</FONT></P>

<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>NOTE 23 &#8211; Regulatory Matters</FONT></B></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The Bank is subject to various regulatory capital requirements administered by the federal banking agencies. The capital rules require banks and bank holding companies (other than bank holding companies, such as the Company, that qualify under the Federal Reserve&#8217;s Small Bank Holding Company Policy Statement) to maintain a minimum total risked-based capital ratio of at least 8%, a total Tier 1 capital ratio of at least 6%, a minimum common equity Tier 1 capital ratio of at least 4.5%, and a leverage ratio of at least 4%. Bank holding companies and banks are also required to hold a capital conservation buffer of common equity Tier 1 capital of 2.5% to avoid limitations on capital distributions and discretionary executive compensation payments. The capital conservation buffer will be phased in incrementally over time, becoming fully effective on January 1, 2019, and will consist of an additional amount of common equity equal to 2.5% of risk-weighted assets.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>To be considered &#8220;well-capitalized&#8221; for purposes of certain rules and prompt corrective action requirements, the Bank must maintain a minimum total risked-based capital ratio of at least 10%, a total Tier 1 capital ratio of at least 8%, a common equity Tier 1 capital ratio of at least 6.5%, and a leverage ratio of at least 5%. As of December 31, 2019, our capital ratios exceed these ratios and we remain &#8220;well capitalized.&#8221;</FONT></P>

<P style="TEXT-ALIGN: center"><FONT size=2  face="Arial">98</FONT></P>

<HR align=center SIZE=2 width="100%" noShade>



<DIV style="PAGE-BREAK-BEFORE: always"></DIV>

<P align ="left"><font size=2 face=Arial><A HREF="#toc"><B>Table of Contents</B></A></FONT></P>



<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The following table summarizes the capital amounts and ratios of the Bank and the Company and the regulatory minimum requirements at December 31, 2019 and 2018.</FONT></P>

<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>


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   <TD width="4%" colSpan=4 noWrap align=right><B><FONT size=1 face=Arial>To be well</FONT></B></TD></TR>

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   <TD width="4%" colSpan=4 noWrap align=right><B><FONT size=1 face=Arial>capitalized</FONT></B></TD></TR>

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   <TD width="3%" colSpan=3 noWrap align=right><B><FONT size=1 face=Arial>For capital</FONT></B></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="4%" colSpan=4 noWrap align=right><B><FONT size=1 face=Arial>under prompt</FONT></B></TD></TR>

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   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" colSpan=3 noWrap align=right><B><FONT size=1 face=Arial>adequacy purposes</FONT></B></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="4%" colSpan=4 noWrap align=right><B><FONT size=1 face=Arial>corrective action</FONT></B></TD></TR>

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   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Actual</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD COLSPAN="4" STYLE="width: 4%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>minimum</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD COLSPAN="4" STYLE="width: 4%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>provisions minimum</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="border-bottom: Black 1pt solid; width: 85%; text-align: left"><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Amount</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Ratio</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"></TD>

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Amount</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Ratio</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"></TD>

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Amount</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Ratio</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 85%; text-align: left"><B><FONT size=2 face=Arial>As of December 31, 2019</FONT></B></TD>

   <TD width="1%" noWrap align=left><B><FONT size=2 face=Arial></FONT></B></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 85%; text-align: left"><I><FONT size=2 face=Arial>The Bank</FONT></I></TD>

   <TD width="1%" noWrap align=left><I><FONT size=2 face=Arial></FONT></I></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 85%; text-align: left"><FONT size=2 face=Arial>Total Capital (to risk weighted assets)</FONT></TD>

   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"><FONT size=2 face=Arial>$</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>250,847</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>13.31%</FONT></TD>

   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>150,807</FONT></TD>

   <TD width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>8.00%</FONT></TD>

   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"><FONT size=2 face=Arial>&nbsp;$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>188,510</FONT></TD>

   <TD width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>10.00%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 85%; text-align: left"><FONT size=2 face=Arial>Tier 1 Capital (to risk weighted assets)</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>234,205</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>12.42%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>113,106</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>6.00%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>150,807</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>8.00%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 85%; text-align: left"><FONT size=2 face=Arial>Common Equity Tier 1 Capital (to risk weighted assets)</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>234,205</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>12.42%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>84,829</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>4.50%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>122,531</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>6.50%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 85%; text-align: left"><FONT size=2 face=Arial>Tier 1 Capital (to average assets)</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>234,205</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>10.80%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>86,772</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>4.00%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>108,465</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>5.00%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 85%; text-align: left"><I><FONT size=2 face=Arial>&nbsp;</FONT></I></TD>

   <TD width="1%" noWrap align=left><I><FONT size=2 face=Arial></FONT></I></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 85%; text-align: left"><I><FONT size=2 face=Arial>The Company</FONT></I><I><FONT size=2 face=Arial><SUP>(1)</SUP></FONT></I></TD>

   <TD width="1%" noWrap align=left><I><FONT size=2 face=Arial></FONT></I></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 85%; text-align: left"><FONT size=2 face=Arial>Total Capital (to risk weighted assets)</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>258,800</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>13.73%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>150,807</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>8.00%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>n/a</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>n/a</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 85%; text-align: left"><FONT size=2 face=Arial>Tier 1 Capital (to risk weighted assets)</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>219,158</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>11.63%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>113,106</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>6.00%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>n/a</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>n/a</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 85%; text-align: left"><FONT size=2 face=Arial>Common Equity Tier 1 Capital (to risk weighted assets)</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>206,158</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>10.94%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>84,829</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>4.50%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>n/a</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>n/a</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="border-bottom: Black 1.5pt solid; width: 85%; text-align: left"><FONT size=2 face=Arial>Tier 1 Capital (to average assets)</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>219,158</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>10.10%</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>86,772</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>4.00%</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>n/a</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>n/a</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 85%; text-align: left">&nbsp;</TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 85%; text-align: left"></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="4%" colSpan=4 noWrap align=right><B><FONT size=1 face=Arial>To be well</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 85%; text-align: left"></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="4%" colSpan=4 noWrap align=right><B><FONT size=1 face=Arial>capitalized</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 85%; text-align: left"></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="4%" colSpan=4 noWrap align=right><B><FONT size=1 face=Arial>For capital</FONT></B></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="4%" colSpan=4 noWrap align=right><B><FONT size=1 face=Arial>under prompt</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 85%; text-align: left"></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="4%" colSpan=4 noWrap align=right><B><FONT size=1 face=Arial>adequacy purposes</FONT></B></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="4%" colSpan=4 noWrap align=right><B><FONT size=1 face=Arial>corrective action</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 85%; text-align: left"></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Actual</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD COLSPAN="4" STYLE="width: 4%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>minimum</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD COLSPAN="4" STYLE="width: 4%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>provisions minimum</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="border-bottom: Black 1pt solid; width: 85%; text-align: left"><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Amount</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Ratio</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Amount</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Ratio</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"></TD>

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Amount</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Ratio</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 85%; text-align: left"><B><FONT size=2 face=Arial>As of December 31, 2018</FONT></B></TD>

   <TD width="1%" noWrap align=left><B><FONT size=2 face=Arial></FONT></B></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 85%; text-align: left"><I><FONT size=2 face=Arial>The Bank</FONT></I></TD>

   <TD width="1%" noWrap align=left><I><FONT size=2 face=Arial></FONT></I></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 85%; text-align: left"><FONT size=2 face=Arial>Total Capital (to risk weighted assets)</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"><FONT size=2 face=Arial>$</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>198,195</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>12.16%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>130,368</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>8.00%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"><FONT size=2 face=Arial>$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>162,960</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>10.00%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 85%; text-align: left"><FONT size=2 face=Arial>Tier 1 Capital (to risk weighted assets)</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>182,433</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>11.20%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>97,776</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>6.00%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>130,368</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>8.00%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 85%; text-align: left"><FONT size=2 face=Arial>Common Equity Tier 1 Capital (to risk weighted assets)</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>182,433</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>11.20%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>73,332</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>4.50%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>105,924</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>6.50%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 85%; text-align: left"><FONT size=2 face=Arial>Tier 1 Capital (to average assets)</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>182,433</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>9.84%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>74,126</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>4.00%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>92,658</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>5.00%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 85%; text-align: left"><I><FONT size=2 face=Arial>&nbsp;</FONT></I></TD>

   <TD width="1%" noWrap align=left><I><FONT size=2 face=Arial></FONT></I></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 85%; text-align: left"><I><FONT size=2 face=Arial>The Company</FONT></I><I><FONT size=2 face=Arial><SUP>(1)</SUP></FONT></I></TD>

   <TD width="1%" noWrap align=left><I><FONT size=2 face=Arial></FONT></I></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 85%; text-align: left"><FONT size=2 face=Arial>Total Capital (to risk weighted assets)</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>203,595</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>12.49%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>130,368</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>8.00%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>n/a</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>n/a</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 85%; text-align: left"><FONT size=2 face=Arial>Tier 1 Capital (to risk weighted assets)</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>187,833</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>11.53%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>97,776</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>6.00%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>n/a</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>n/a</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 85%; text-align: left"><FONT size=2 face=Arial>Common Equity Tier 1 Capital (to risk weighted assets)</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>174,833</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>10.73%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>73,332</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>4.50%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>n/a</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>n/a</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="border-bottom: Black 1.5pt solid; width: 85%; text-align: left"><FONT size=2 face=Arial>Tier 1 Capital (to average assets)</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>187,833</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>10.14%</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>74,126</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>4.00%</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>n/a</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>n/a</FONT></TD></TR>


</TABLE>



<BR>
<DIV>

<TABLE style="WIDTH: 100%" cellSpacing=0 cellPadding=0 border=0>



<TR>

   <TD STYLE="padding-right: 8pt; width: 1%; vertical-align: top; text-align: left">



   <P style="TEXT-ALIGN: justify"><I><FONT size=1 face=Arial>(1)</FONT></I></P></TD>

   <TD width="99%">



   <P style="TEXT-ALIGN: justify"><I><FONT size=1 face=Arial>Under the Federal Reserve&#8217;s Small Bank Holding Company Policy Statement, the Company is not subject to the minimum capital adequacy and capital conservation buffer capital requirements at the holding company level, unless otherwise advised by the Federal Reserve (such capital requirements are applicable only at the Bank level). Although the minimum regulatory capital requirements are not applicable to the Company, we calculate these ratios for our own planning and monitoring purposes.</FONT></I></P></TD></TR></TABLE></DIV>

<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>NOTE 24 &#8211; Reportable Segments</FONT></B></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The Company&#8217;s reportable segments represent the distinct product lines the Company offers and are viewed separately for strategic planning purposes by management. The three segments include Commercial and Retail Banking, Mortgage Banking, and Corporate Operations. The following schedule presents financial information for each reportable segment.</FONT></P>

<P style="TEXT-ALIGN: center"><FONT size=2  face="Arial">99</FONT></P>

<HR align=center SIZE=2 width="100%" noShade>



<DIV style="PAGE-BREAK-BEFORE: always"></DIV>

<P align ="left"><font size=2 face=Arial><A HREF="#toc"><B>Table of Contents</B></A></FONT></P>



<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>

<TR STYLE="vertical-align: bottom">
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD width="87%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD COLSPAN="12" STYLE="width: 12%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Year ended December 31, 2019</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="87%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Commercial</FONT></B></TD>

   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR vAlign=bottom>

   <TD width="87%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>and Retail</FONT></B></TD>

   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial>Mortgage</FONT></B></TD>

   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial>Corporate</FONT></B></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 87%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Banking</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Banking</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Operations</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid">&nbsp;</TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid">&nbsp;</TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Eliminations</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Consolidated</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="87%" noWrap align=left><FONT size=2 face=Arial>Interest income</FONT></TD>

   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>91,923</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>729</FONT></TD>

   <TD width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>13</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>(13</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>92,652</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 87%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Interest expense</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>24,467</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>929</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>(13</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>)</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>25,383</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="87%" noWrap align=left><FONT size=2 face=Arial>Net interest income (loss)</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>67,456</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>729</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>(916</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>67,269</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="87%" noWrap align=left><FONT size=2 face=Arial>Provision for loan losses</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>2,300</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>2,300</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="87%" noWrap align=left><FONT size=2 face=Arial>Noninterest income</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>5,060</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>9,923</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>14,983</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 87%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Noninterest expense</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>37,798</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>6,435</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>240</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>44,473</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="87%" noWrap align=left><FONT size=2 face=Arial>Net income (loss) before taxes</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>32,418</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>4,217</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>(1,156</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>35,479</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 87%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Income tax provision (benefit)</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>6,978</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>886</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>(243</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>)</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>7,621</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 87%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Net income (loss)</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>25,440</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>3,331</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>(913</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>)</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>27,858</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 87%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>Total assets</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>2,239,430</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>27,356</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>242,069</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>(241,660</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>)</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>2,267,195</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="87%" noWrap align=left>&nbsp;</TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="4%" colSpan=4 noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="87%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD COLSPAN="12" STYLE="width: 12%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Year ended December 31, 2018</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="87%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Commercial</FONT></B></TD>

   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="87%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>and Retail</FONT></B></TD>

   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial>Mortgage</FONT></B></TD>

   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 87%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Banking</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Banking</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Corporate</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Eliminations</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Consolidated</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="87%" noWrap align=left><FONT size=2 face=Arial>Interest income</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>76,282</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>375</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>9</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>(9</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>76,657</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 87%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Interest expense</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>15,922</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>592</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>(9</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>)</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>16,505</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="87%" noWrap align=left><FONT size=2 face=Arial>Net interest income (loss)</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>60,360</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>375</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>(583</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>60,152</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="87%" noWrap align=left><FONT size=2 face=Arial>Provision for loan losses</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,900</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,900</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="87%" noWrap align=left><FONT size=2 face=Arial>Noninterest income</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>4,657</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>5,544</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>10,201</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 87%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Noninterest expense</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>35,371</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>4,152</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>240</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>39,763</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="87%" noWrap align=left><FONT size=2 face=Arial>Net income (loss) before taxes</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>27,746</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,767</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>(823</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>28,690</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 87%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Income tax expense (benefit)</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>6,185</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>389</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>(173</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>)</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>6,401</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 87%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Net income (loss)</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>21,561</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1,378</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>(650</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>)</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>22,289</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 87%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>Total assets</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>1,905,474</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>8,602</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>187,327</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>(200,789</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>)</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>1,900,614</FONT></TD></TR>


</TABLE>


<P style="TEXT-ALIGN: justify"><U><FONT size=2 face=Arial>Commercial and retail banking.</FONT></U><FONT size=2 face=Arial> The Company&#8217;s primary business is to provide traditional deposit and lending products and services to its commercial and retail banking clients.</FONT></P>

<P style="TEXT-ALIGN: justify"><U><FONT size=2 face=Arial>Mortgage banking.</FONT></U><FONT size=2 face=Arial> The mortgage banking segment provides mortgage loan origination services for loans that will be sold in the secondary market to investors.</FONT></P>

<P style="TEXT-ALIGN: justify"><U><FONT size=2 face=Arial>Corporate operations.</FONT></U><FONT size=2 face=Arial> Corporate operations is comprised primarily of compensation and benefits for certain members of management and interest on parent company debt.</FONT></P>

<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>NOTE 25 &#8211; Parent Company Financial Information</FONT></B></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Following is condensed financial information of Southern First Bancshares, Inc. (parent company only):</FONT></P>

<P style="TEXT-ALIGN: center"><B><I><FONT size=2 face=Arial>Condensed Balance Sheets</FONT></I></B></P>

<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>

<TR STYLE="vertical-align: bottom">
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD width="95%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD COLSPAN="4" STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>December 31,</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 95%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>

   <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: left; text-align: right"><B><FONT size=1 face=Arial>2019</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>2018</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="95%" noWrap align=left><B><FONT size=2 face=Arial>Assets</FONT></B></TD>

   <TD width="1%" noWrap align=left><B><FONT size=2 face=Arial></FONT></B></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="95%" noWrap align=left><FONT size=2 face=Arial>Cash and cash equivalents</FONT></TD>

   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>7,753</FONT></TD>

   <TD width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>5,389</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="95%" noWrap align=left><FONT size=2 face=Arial>Investment in subsidiaries</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>234,310</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>181,919</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 95%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Other assets</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>6</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>19</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="padding-left: 15pt; width: 95%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Total assets</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>242,069</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>187,327</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="95%" noWrap align=left><B><FONT size=2 face=Arial>Liabilities and Shareholders&#8217; Equity</FONT></B></TD>

   <TD width="1%" noWrap align=left><B><FONT size=2 face=Arial></FONT></B></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="95%" noWrap align=left><FONT size=2 face=Arial>Accounts payable and accrued expenses</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>319</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>8</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="95%" noWrap align=left><FONT size=2 face=Arial>Subordinated debentures</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>35,890</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>13,403</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 95%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Shareholders&#8217; equity</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>205,860</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>173,916</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="padding-left: 15pt; border-bottom: Black 1.5pt solid; width: 95%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Total liabilities and shareholders&#8217; equity</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>242,069</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>187,327</FONT></TD></TR>


</TABLE>


<P style="TEXT-ALIGN: center"><FONT size=2  face="Arial">100</FONT></P>

<HR align=center SIZE=2 width="100%" noShade>



<DIV style="PAGE-BREAK-BEFORE: always"></DIV>

<P align ="left"><font size=2 face=Arial><A HREF="#toc"><B>Table of Contents</B></A></FONT></P>



<P style="TEXT-ALIGN: center"><B><I><FONT size=2 face=Arial>Condensed Statements of Income</FONT></I></B></P>

<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>


<TR STYLE="vertical-align: bottom">
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&nbsp;</TD></TR>


<TR vAlign=bottom>

   <TD width="90%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD COLSPAN="8" STYLE="width: 8%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>For the years ended December 31,</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid">&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 90%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2019</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2018</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2017</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="90%" noWrap align=left><B><FONT size=2 face=Arial>Revenues</FONT></B></TD>

   <TD width="1%" noWrap align=left><B><FONT size=2 face=Arial></FONT></B></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 90%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Interest income</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>13</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>9</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>11</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 90%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Total revenue</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>13</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>9</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>11</FONT></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="90%" noWrap align=left><B><FONT size=2 face=Arial>Expenses</FONT></B></TD>

   <TD width="1%" noWrap align=left><B><FONT size=2 face=Arial></FONT></B></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="90%" noWrap align=left><FONT size=2 face=Arial>Interest expense</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>929</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>592</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>514</FONT></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 90%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Other expenses</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>240</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>240</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>246</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 90%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Total expenses</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,169</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>832</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>760</FONT></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 90%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Income tax benefit</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>243</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>173</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>262</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="90%" noWrap align=left><FONT size=2 face=Arial>Loss before equity in undistributed net income of subsidiaries</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>(913</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>(650</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>(487</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 90%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Equity in undistributed net income of subsidiaries</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>28,771</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>22,939</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>13,532</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="padding-left: 15pt; width: 90%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>Net income</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>27,858</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>22,289</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>13,045</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD></TR>


</TABLE>


<P style="TEXT-ALIGN: center"><B><I><FONT size=2 face=Arial>Condensed Statements of Cash Flows</FONT></I></B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" BORDER="0" STYLE="line-height: 14pt; border-collapse: collapse; width: 100%">

<TR STYLE="vertical-align: bottom">
   <TD STYLE="border-top: Black 1.5pt solid; padding-left: 15pt; text-align: left; text-indent: -15pt; width: 90%">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right; width: 1%">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right; width: 1%">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right; width: 1%">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right; width: 1%">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%">&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD STYLE="text-align: left; padding-left: 15pt; text-indent: -15pt"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD COLSPAN="8" STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>For the years ended December 31,</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="border-bottom: Black 1pt solid; padding-left: 15pt; text-align: left; text-indent: -15pt"><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>

   <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>2019</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>2018</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>2017</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="text-align: left; padding-left: 15pt; text-indent: -15pt"><B><FONT size=2 face=Arial>Operating activities</FONT></B></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><B><FONT size=2 face=Arial></FONT></B></TD>

   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="text-indent: -15pt; text-align: left; padding-left: 30pt"><FONT size=2 face=Arial>Net income</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>27,858</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>22,289</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>13,045</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="text-indent: -15pt; text-align: left; padding-left: 30pt"><FONT size=2 face=Arial>Adjustments to reconcile net income to cash provided by (used for) operating activities</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD></TR>


<TR STYLE="vertical-align: bottom">

   <TD STYLE="text-align: left; padding-left: 45pt; text-indent: -15pt"><FONT size=2 face=Arial>Equity in undistributed net income of subsidiaries</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>(28,771</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial>)</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>(22,939</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial>)</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>(13,532</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial>)</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="text-align: left; padding-left: 45pt; text-indent: -15pt"><FONT size=2 face=Arial>Compensation expense related to stock options and restricted stock grants</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,698</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,502</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,258</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="text-align: left; padding-left: 45pt; text-indent: -15pt"><FONT size=2 face=Arial>(Increase) decrease in other assets</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>12</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>12</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>2,772</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="border-bottom: Black 1pt solid; text-align: left; padding-left: 45pt; text-indent: -15pt"><FONT size=2 face=Arial>Increase (decrease) in accounts payable and accrued expenses</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>(202</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>)</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>2</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>2</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="border-bottom: Black 1pt solid; text-align: left; padding-left: 60pt; text-indent: -15pt"><FONT size=2 face=Arial>Net cash provided by operating activities</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>595</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>866</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>3,545</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="text-align: left; padding-left: 15pt; text-indent: -15pt"><B><FONT size=2 face=Arial>Investing activities</FONT></B></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><B><FONT size=2 face=Arial></FONT></B></TD>

   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="border-bottom: Black 1pt solid; text-align: left; padding-left: 45pt; text-indent: -15pt"><FONT size=2 face=Arial>Investment in subsidiaries, net</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>(27,334</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>)</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="border-bottom: Black 1pt solid; text-align: left; padding-left: 60pt; text-indent: -15pt"><FONT size=2 face=Arial>Net cash used for investing activities</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>(27,334</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>)</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="text-align: left; padding-left: 15pt; text-indent: -15pt"><B><FONT size=2 face=Arial>Financing activities</FONT></B></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><B><FONT size=2 face=Arial></FONT></B></TD>

   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="text-align: left; padding-left: 45pt; text-indent: -15pt"><FONT size=2 face=Arial>Issuance of common stock</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>24,758</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="border-bottom: Black 1pt solid; text-align: left; padding-left: 45pt; text-indent: -15pt"><FONT size=2 face=Arial>Proceeds from the exercise of stock options and warrants</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,769</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>900</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>705</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="border-bottom: Black 1pt solid; text-align: left; padding-left: 60pt; text-indent: -15pt"><FONT size=2 face=Arial>Net cash provided by financing activities</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,769</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>900</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>25,463</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="text-align: left; padding-left: 60pt; text-indent: -15pt"><FONT size=2 face=Arial>Net increase (decrease) in cash and cash equivalents</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>2,364</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,766</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,674</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="border-bottom: Black 1pt solid; text-align: left; padding-left: 15pt; text-indent: -15pt"><B><FONT size=2 face=Arial>Cash and cash equivalents, beginning of year</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><B><FONT size=2 face=Arial></FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>5,389</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>3,623</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,949</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="border-bottom: Black 1.5pt solid; padding-left: 15pt; text-align: left; text-indent: -15pt"><B><FONT size=2 face=Arial>Cash and cash equivalents, end of year</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"><B><FONT size=2 face=Arial></FONT></B></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>7,753</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>5,389</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>3,623</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></TD></TR>


</TABLE>


<P style="TEXT-ALIGN: center"><FONT size=2  face="Arial">101</FONT></P>

<HR align=center SIZE=2 width="100%" noShade>



<DIV style="PAGE-BREAK-BEFORE: always"></DIV>

<P align ="left"><font size=2 face=Arial><A HREF="#toc"><B>Table of Contents</B></A></FONT></P>



<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>NOTE 26 &#8211; Selected Condensed Quarterly Financial Data (Unaudited)</FONT></B></P>

<DIV align=left>

<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>

<TR STYLE="vertical-align: bottom">
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD width="91%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD COLSPAN="8" STYLE="width: 8%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2019</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="91%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD COLSPAN="8" STYLE="width: 8%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>For the quarters ended</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 91%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>(dollars in thousands, except share data)</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>March 31</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>June 30</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>September 30</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>December 31</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="91%" noWrap align=left><FONT size=2 face=Arial>Interest income</FONT></TD>

   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>21,612</FONT></TD>

   <TD width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>23,088</FONT></TD>

   <TD width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>24,056</FONT></TD>

   <TD width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>23,896</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 91%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Interest expense</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>5,794</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>6,549</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>6,777</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>6,263</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 91%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Net interest income</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>15,818</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>16,539</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>17,279</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>17,633</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="91%" noWrap align=left><FONT size=2 face=Arial>Provision for loan losses</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>300</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>300</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>650</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,050</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="91%" noWrap align=left><FONT size=2 face=Arial>Noninterest income</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>2,994</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>4,090</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>4,396</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>3,503</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 91%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Noninterest expenses</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>10,648</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>11,368</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>11,484</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>10,973</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 91%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Income before income tax expense</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>7,864</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>8,961</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>9,541</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>9,113</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 91%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Income tax expense</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1,855</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1,722</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>2,129</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1,915</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 91%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Net income available to common shareholders</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>6,009</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>7,239</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>7,412</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>7,198</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="91%" noWrap align=left><FONT size=2 face=Arial>Earnings per common share</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 91%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Basic</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.81</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.97</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.98</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.94</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 91%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Diluted</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.78</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.93</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.95</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.92</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="91%" noWrap align=left><FONT size=2 face=Arial>Weighted average common shares outstanding</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 91%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Basic</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>7,459,342</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>7,495,508</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>7,548,184</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>7,608,241</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="padding-left: 15pt; width: 91%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>Diluted</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>7,741,860</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>7,756,044</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>7,780,504</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>7,810,922</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="91%" noWrap align=left>&nbsp;</TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="91%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD COLSPAN="8" STYLE="width: 8%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2018</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="91%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD COLSPAN="8" STYLE="width: 8%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>For the quarters ended</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="border-bottom: Black 1pt solid; width: 91%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>March 31</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>June 30</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>September 30</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>December 31</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="91%" noWrap align=left><FONT size=2 face=Arial>Interest income</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>17,178</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>18,535</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>19,865</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>21,079</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="border-bottom: Black 1pt solid; width: 91%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Interest expense</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>3,136</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>3,923</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>4,364</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>5,082</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 91%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Net interest income</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>14,042</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>14,612</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>15,501</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>15,997</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="91%" noWrap align=left><FONT size=2 face=Arial>Provision for loan losses</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>500</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>400</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>400</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>600</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="91%" noWrap align=left><FONT size=2 face=Arial>Noninterest income</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>2,420</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>2,771</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>2,533</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>2,477</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="border-bottom: Black 1pt solid; width: 91%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Noninterest expenses</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>9,205</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>9,979</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>10,188</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>10,391</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 91%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Income before income tax expense</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>6,757</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>7,004</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>7,446</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>7,483</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="border-bottom: Black 1pt solid; width: 91%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Income tax expense</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,543</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,494</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,664</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,700</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="border-bottom: Black 1pt solid; width: 91%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Net income available to common shareholders</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>5,214</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>5,510</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>5,782</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>5,783</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="91%" noWrap align=left><FONT size=2 face=Arial>Earnings per common share</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 91%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Basic</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.71</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.75</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.78</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.78</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 91%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Diluted</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.67</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.71</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.75</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.75</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="91%" noWrap align=left><FONT size=2 face=Arial>Weighted average common shares outstanding</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 91%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Basic</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>7,336,839</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>7,370,709</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>7,400,174</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>7,427,902</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="padding-left: 15pt; width: 91%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>Diluted</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>7,726,885</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>7,751,146</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>7,746,205</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>7,725,661</FONT></TD></TR>


</TABLE></DIV>

<P style="TEXT-ALIGN: justify"><B><A NAME="Item9ChangesinandDisagreementswithAccountantsonAccountingandFinancialDisclosure102"></A><U><FONT size=2 face=Arial>Item 9. Changes in and Disagreements with Accountants on Accounting and Financial Disclosure</FONT></U></B></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>None.</FONT></P>

<P style="TEXT-ALIGN: justify"><B><U><A NAME="Item9AControlsandProcedures102"></A><FONT size=2 face=Arial>Item 9A. Controls and Procedures</FONT></U></B></P>

<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>Evaluation of Disclosure Controls and Procedures</FONT></B></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Based on our management&#8217;s evaluation (with the participation of our principal executive officer and principal financial officer), as of the end of the period covered by this report, our principal executive officer and principal financial officer have concluded that our disclosure controls and procedures (as defined in Rules 13a-15(e) and 15d-15(e) under the Securities Exchange Act of 1934, as amended, (the &#8220;Exchange Act&#8221;)) are effective to ensure that information required to be disclosed by us in reports that we file or submit under the Exchange Act is recorded, processed, summarized and reported within the time periods specified in Securities and Exchange Commission rules and forms and is accumulated and communicated to our management, including our principal executive officer and principal financial officer, as appropriate to allow timely decisions regarding required disclosure.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>For management&#8217;s report on internal control over financial reporting and the attestation report thereon issued by our independent registered public accounting firm, see Item 8. Financial Statements and Supplementary Data.</FONT></P>

<P style="TEXT-ALIGN: center"><FONT size=2  face="Arial">102</FONT></P>

<HR align=center SIZE=2 width="100%" noShade>


<DIV style="PAGE-BREAK-BEFORE: always"></DIV>
<!-- Part 18 -->
<P align ="left"><font size=2 face=Arial><A HREF="#toc"><B>Table of Contents</B></A></FONT></P>


<P style="TEXT-ALIGN: left"><B><FONT size=2 face=Arial>Internal Control over Financial Reporting</FONT></B></P>
<P STYLE="text-align: justify"><FONT size=2 face=Arial>There was no change in our internal control over financial reporting during our fourth quarter of fiscal 2019 that has materially affected, or is reasonably likely to materially affect, our internal control over financial reporting.</FONT></P>
<P style="TEXT-ALIGN: left"><A NAME="Item9BOtherInformation103"></A><B><U><FONT size=2 face=Arial>Item 9B. Other Information</FONT></U></B></P>
<P style="TEXT-ALIGN: left"><FONT size=2 face=Arial>None</FONT></P>
<P style="TEXT-ALIGN: left"><B><FONT size=2 face=Arial><A NAME="PARTIII"></A>PART III</FONT></B></P>
<P style="TEXT-ALIGN: left"><B><U><A NAME="Item10DirectorsExecutiveOfficersandCorporateGovernance103"></A><FONT size=2 face=Arial>Item 10. Directors, Executive Officers and Corporate Governance.</FONT></U></B></P>
<P STYLE="text-align: justify"><FONT size=2 face=Arial>In response to this Item, this information is contained in our Proxy Statement for the Annual Meeting of Shareholders to be held on May 12, 2020 and is incorporated herein by reference.</FONT></P>
<P style="TEXT-ALIGN: left"><B><A NAME="Item11ExecutiveCompensation103"></A><U><FONT size=2 face=Arial>Item 11. Executive Compensation.</FONT></U></B></P>
<P STYLE="text-align: justify"><FONT size=2 face=Arial>In response to this Item, this information is contained in our Proxy Statement for the Annual Meeting of Shareholders to be held on May 12, 2020 and is incorporated herein by reference.</FONT></P>
<P style="TEXT-ALIGN: left"><B><U><A NAME="Item12SecurityOwnershipofCertainBeneficialOwnersandManagementandRelatedShareholderMatters103"></A><FONT size=2 face=Arial>Item 12. Security Ownership of Certain Beneficial Owners and Management and Related Shareholder Matters.</FONT></U></B></P>
<P STYLE="text-align: justify"><FONT size=2 face=Arial>In response to this Item, the information required by Item 201(d) is contained in Item 5 of this report. The other information required by this item is contained in our Proxy Statement for the Annual Meeting of Shareholders to be held on May 12, 2020 and is incorporated herein by reference.</FONT></P>
<P style="TEXT-ALIGN: left"><B><U><FONT size=2 face=Arial><A NAME="Item13CertainRelationshipsandRelatedTransactionsandDirectorIndependence103"></A>Item 13. Certain Relationships and Related Transactions, and Director Independence.</FONT></U></B></P>
<P STYLE="text-align: justify"><FONT size=2 face=Arial>The information is contained in our Proxy Statement for the Annual Meeting of Shareholders to be held on May 12, 2020 is incorporated herein by reference.</FONT></P>
<P style="TEXT-ALIGN: left"><B><U><A NAME="Item14PrincipalAccountingFeesandServices103"></A><FONT size=2 face=Arial>Item 14. Principal Accounting Fees and Services.</FONT></U></B></P>
<P STYLE="text-align: justify"><FONT size=2 face=Arial>In response to this Item, this information is contained in our Proxy Statement for the Annual Meeting of Shareholders to be held on May 12, 2020 and is incorporated herein by reference.</FONT></P>
<P style="TEXT-ALIGN: left"><B><U><FONT size=2 face=Arial><A NAME="Item15ExhibitsFinancialStatementSchedules103"></A>Item 15. Exhibits, Financial Statement Schedules</FONT></U></B></P>
<TABLE style="LINE-HEIGHT: Normal; BORDER-COLLAPSE: COLLAPSE" cellPadding=0 width="100%" border=0>

<TR vAlign=bottom>
   <TD style="WIDTH: 1%; VERTICAL-ALIGN: top; WHITE-SPACE: nowrap; TEXT-ALIGN: left; PADDING-RIGHT: 15pt"><FONT size=2 face=Arial>(a)</FONT></TD>
   <TD style="WIDTH: 1%; VERTICAL-ALIGN: top; WHITE-SPACE: nowrap; TEXT-ALIGN: left; PADDING-RIGHT: 15pt"><FONT size=2 face=Arial>(1)</FONT></TD>
   <TD style="WIDTH: 98%; VERTICAL-ALIGN: top; TEXT-ALIGN: justify"><FONT size=2 face=Arial>Financial Statements</FONT></TD></TR>
<TR vAlign=bottom>
   <TD style="WIDTH: 1%; VERTICAL-ALIGN: top; WHITE-SPACE: nowrap; TEXT-ALIGN: left; PADDING-RIGHT: 15pt"></TD>
   <TD style="WIDTH: 1%; VERTICAL-ALIGN: top; WHITE-SPACE: nowrap; TEXT-ALIGN: left; PADDING-RIGHT: 15pt"></TD>
   <TD style="WIDTH: 98%; VERTICAL-ALIGN: top; TEXT-ALIGN: justify"><FONT size=2 face=Arial>The following consolidated financial statements are located in Item 8 of this report.</FONT></TD></TR>
<TR vAlign=bottom>
   <TD style="WIDTH: 1%; VERTICAL-ALIGN: top; WHITE-SPACE: nowrap; TEXT-ALIGN: left; PADDING-RIGHT: 15pt"></TD>
   <TD style="WIDTH: 1%; VERTICAL-ALIGN: top; WHITE-SPACE: nowrap; TEXT-ALIGN: left; PADDING-RIGHT: 15pt"></TD>
   <TD style="WIDTH: 98%; VERTICAL-ALIGN: top; TEXT-ALIGN: justify"><FONT size=2 face=Arial>Management&#8217;s Report on Internal Control Over Financial Reporting</FONT></TD></TR>
<TR vAlign=bottom>
   <TD style="WIDTH: 1%; VERTICAL-ALIGN: top; WHITE-SPACE: nowrap; TEXT-ALIGN: left; PADDING-RIGHT: 15pt"></TD>
   <TD style="WIDTH: 1%; VERTICAL-ALIGN: top; WHITE-SPACE: nowrap; TEXT-ALIGN: left; PADDING-RIGHT: 15pt"></TD>
   <TD style="WIDTH: 98%; VERTICAL-ALIGN: top; TEXT-ALIGN: justify"><FONT size=2 face=Arial>Report of Independent Registered Public Accounting Firm</FONT></TD></TR>
<TR vAlign=bottom>
   <TD style="WIDTH: 1%; VERTICAL-ALIGN: top; WHITE-SPACE: nowrap; TEXT-ALIGN: left; PADDING-RIGHT: 15pt"></TD>
   <TD style="WIDTH: 1%; VERTICAL-ALIGN: top; WHITE-SPACE: nowrap; TEXT-ALIGN: left; PADDING-RIGHT: 15pt"></TD>
   <TD style="WIDTH: 98%; VERTICAL-ALIGN: top; TEXT-ALIGN: justify"><FONT size=2 face=Arial>Consolidated Balance Sheets as of December 31, 2019 and 2018</FONT></TD></TR>
<TR vAlign=bottom>
   <TD style="WIDTH: 1%; VERTICAL-ALIGN: top; WHITE-SPACE: nowrap; TEXT-ALIGN: left; PADDING-RIGHT: 15pt"></TD>
   <TD style="WIDTH: 1%; VERTICAL-ALIGN: top; WHITE-SPACE: nowrap; TEXT-ALIGN: left; PADDING-RIGHT: 15pt"></TD>
   <TD style="WIDTH: 98%; VERTICAL-ALIGN: top; TEXT-ALIGN: justify"><FONT size=2 face=Arial>Consolidated Statements of Income for the years ended December 31, 2019, 2018 and 2017</FONT></TD></TR>
<TR vAlign=bottom>
   <TD style="WIDTH: 1%; VERTICAL-ALIGN: top; WHITE-SPACE: nowrap; TEXT-ALIGN: left; PADDING-RIGHT: 15pt"></TD>
   <TD style="WIDTH: 1%; VERTICAL-ALIGN: top; WHITE-SPACE: nowrap; TEXT-ALIGN: left; PADDING-RIGHT: 15pt"></TD>
   <TD style="WIDTH: 98%; VERTICAL-ALIGN: top; TEXT-ALIGN: justify"><FONT size=2 face=Arial>Consolidated Statements of Comprehensive Income for the years ended December 31, 2019, 2018 and 2017</FONT></TD></TR>
<TR vAlign=bottom>
   <TD style="WIDTH: 1%; VERTICAL-ALIGN: top; WHITE-SPACE: nowrap; TEXT-ALIGN: left; PADDING-RIGHT: 15pt"></TD>
   <TD style="WIDTH: 1%; VERTICAL-ALIGN: top; WHITE-SPACE: nowrap; TEXT-ALIGN: left; PADDING-RIGHT: 15pt"></TD>
   <TD style="WIDTH: 98%; VERTICAL-ALIGN: top; TEXT-ALIGN: justify"><FONT size=2 face=Arial>Consolidated Statements of Changes in Shareholders&#8217; Equity for the years ended December 31, 2019, 2018 and 2017</FONT></TD></TR>
<TR vAlign=bottom>
   <TD style="WIDTH: 1%; VERTICAL-ALIGN: top; WHITE-SPACE: nowrap; TEXT-ALIGN: left; PADDING-RIGHT: 15pt"></TD>
   <TD style="WIDTH: 1%; VERTICAL-ALIGN: top; WHITE-SPACE: nowrap; TEXT-ALIGN: left; PADDING-RIGHT: 15pt"></TD>
   <TD style="WIDTH: 98%; VERTICAL-ALIGN: top; TEXT-ALIGN: justify"><FONT size=2 face=Arial>Consolidated Statements of Cash Flows for the years ended December 31, 2019, 2018 and 2017</FONT></TD></TR>
<TR vAlign=bottom>
   <TD style="WIDTH: 1%; VERTICAL-ALIGN: top; WHITE-SPACE: nowrap; TEXT-ALIGN: left; PADDING-RIGHT: 15pt"></TD>
   <TD style="WIDTH: 1%; VERTICAL-ALIGN: top; WHITE-SPACE: nowrap; TEXT-ALIGN: left; PADDING-RIGHT: 15pt"></TD>
   <TD style="WIDTH: 98%; VERTICAL-ALIGN: top; TEXT-ALIGN: justify"><FONT size=2 face=Arial>Notes to the Consolidated Financial Statements</FONT></TD></TR>
<TR vAlign=bottom>
   <TD style="WIDTH: 1%; VERTICAL-ALIGN: top; WHITE-SPACE: nowrap; TEXT-ALIGN: left; PADDING-RIGHT: 15pt"></TD>
   <TD style="WIDTH: 1%; VERTICAL-ALIGN: top; WHITE-SPACE: nowrap; TEXT-ALIGN: left; PADDING-RIGHT: 15pt"><FONT size=2 face=Arial>(2)</FONT></TD>
   <TD style="WIDTH: 98%; VERTICAL-ALIGN: top; TEXT-ALIGN: justify"><FONT size=2 face=Arial>Financial Statement Schedules</FONT></TD></TR>
<TR vAlign=bottom>
   <TD style="WIDTH: 1%; VERTICAL-ALIGN: top; WHITE-SPACE: nowrap; TEXT-ALIGN: left; PADDING-RIGHT: 15pt"></TD>
   <TD style="WIDTH: 1%; VERTICAL-ALIGN: top; WHITE-SPACE: nowrap; TEXT-ALIGN: left; PADDING-RIGHT: 15pt"></TD>
   <TD style="WIDTH: 98%; VERTICAL-ALIGN: top; TEXT-ALIGN: justify"><FONT size=2 face=Arial>These schedules have been omitted because they are not required, are not applicable or have been included in our consolidated financial statements.</FONT></TD></TR>
<TR vAlign=bottom>
   <TD style="WIDTH: 1%; VERTICAL-ALIGN: top; WHITE-SPACE: nowrap; TEXT-ALIGN: left; PADDING-RIGHT: 15pt"></TD>
   <TD style="WIDTH: 1%; VERTICAL-ALIGN: top; WHITE-SPACE: nowrap; TEXT-ALIGN: left; PADDING-RIGHT: 15pt"><FONT size=2 face=Arial>(3)</FONT></TD>
   <TD style="WIDTH: 98%; VERTICAL-ALIGN: top; TEXT-ALIGN: justify"><FONT size=2 face=Arial>Exhibits</FONT></TD></TR>
<TR vAlign=bottom>
   <TD style="WIDTH: 1%; VERTICAL-ALIGN: top; WHITE-SPACE: nowrap; TEXT-ALIGN: left; PADDING-RIGHT: 15pt"></TD>
   <TD style="WIDTH: 1%; VERTICAL-ALIGN: top; WHITE-SPACE: nowrap; TEXT-ALIGN: left; PADDING-RIGHT: 15pt"></TD>
   <TD style="WIDTH: 98%; VERTICAL-ALIGN: top; TEXT-ALIGN: justify"><FONT size=2 face=Arial>See the &#8220;Exhibit Index&#8221; immediately following the signature page of this report.</FONT></TD></TR></TABLE>
<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>103</FONT></P>
<HR align=center SIZE=2 width="100%" noShade>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV>

<P align ="left"><font size=2 face=Arial><A HREF="#toc"><B>Table of Contents</B></A></FONT></P>


<P style="TEXT-ALIGN: left"><B><FONT size=2 face=Arial>EXHIBIT INDEX</FONT></B></P>
<TABLE style="TEXT-ALIGN: justify; LINE-HEIGHT: normal" cellPadding=0 width="100%" border=0>

<TR vAlign=bottom>
   <TD vAlign=top width="1%" noWrap align=left><A HREF="http://www.sec.gov/Archives/edgar/data/1090009/000095014499009181/0000950144-99-009181.txt" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>3.1</FONT></A></TD>
   <TD vAlign=top width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD VALIGN="TOP" WIDTH="98%" ALIGN="LEFT" STYLE="text-align: justify"><A HREF="http://www.sec.gov/Archives/edgar/data/1090009/000095014499009181/0000950144-99-009181.txt" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>Amended and Restated Articles of Incorporation (incorporated by reference to Exhibit 3.1 of the Company&#8217;s Registration Statement on Form SB-2 filed on July 27, 1999, File No. 333-83851).</FONT></A></TD></TR>
<TR vAlign=bottom>
   <TD vAlign=top width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>
   <TD vAlign=top width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>
   <TD VALIGN="TOP" WIDTH="98%" ALIGN="LEFT" STYLE="text-align: justify"></TD></TR>
<TR vAlign=bottom>
   <TD vAlign=top width="1%" noWrap align=left><A HREF="http://www.sec.gov/Archives/edgar/data/1090009/000109000908000023/ex3-4.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>3.2</FONT></A></TD>
   <TD vAlign=top width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD VALIGN="TOP" WIDTH="98%" ALIGN="LEFT" STYLE="text-align: justify"><A HREF="http://www.sec.gov/Archives/edgar/data/1090009/000109000908000023/ex3-4.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>Amended and Restated Bylaws dated March 18, 2008 (incorporated by reference to Exhibit 3.4 of the Company&#8217;s Form 10-K filed March 24, 2008).</FONT></A></TD></TR>
<TR vAlign=bottom>
   <TD vAlign=top width="1%" noWrap align=left>&nbsp;<FONT size=2 face=Arial></FONT></TD>
   <TD vAlign=top width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD VALIGN="TOP" WIDTH="98%" ALIGN="LEFT" STYLE="text-align: justify"><FONT size=2 face=Arial></FONT></TD></TR>
<TR vAlign=bottom>
   <TD vAlign=top width="1%" noWrap align=left><A HREF="http://www.sec.gov/Archives/edgar/data/1090009/000120677419002477/sfb3577278-ex101.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>4.1</FONT></A></TD>
   <TD vAlign=top width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD VALIGN="TOP" WIDTH="98%" ALIGN="LEFT" STYLE="text-align: justify"><A HREF="http://www.sec.gov/Archives/edgar/data/1090009/000120677419002477/sfb3577278-ex101.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>Description of the Company&#8217;s Securities Registered Pursuant to Section 12 of the Securities Exchange Act of 1934.</FONT></A></TD></TR>
<TR vAlign=bottom>
   <TD vAlign=top width="1%" noWrap align=left>&nbsp;</TD>
   <TD vAlign=top width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD VALIGN="TOP" WIDTH="98%" ALIGN="LEFT" STYLE="text-align: justify"><FONT size=2 face=Arial></FONT></TD></TR>
<TR vAlign=bottom>
   <TD vAlign=top width="1%" noWrap align=left><A HREF="sfb35772717-ex42.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>4.2</FONT></A></TD>
   <TD vAlign=top width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD VALIGN="TOP" WIDTH="98%" ALIGN="LEFT" STYLE="text-align: justify"><A HREF="sfb35772717-ex42.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>Form of certificate of common stock (incorporated by reference to Exhibit 4.2 of the Company&#8217;s Registration Statement on Form SB-2, File No. 333-83851).</FONT></A></TD></TR>
<TR vAlign=bottom>
   <TD vAlign=top width="1%" noWrap align=left>&nbsp;</TD>
   <TD vAlign=top width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD VALIGN="TOP" WIDTH="98%" ALIGN="LEFT" STYLE="text-align: justify"></TD></TR>
<TR vAlign=bottom>
   <TD vAlign=top width="1%" noWrap align=left><A HREF="http://www.sec.gov/Archives/edgar/data/1090009/000120677419003329/sfb35772710-ex41.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>4.3</FONT></A></TD>
   <TD vAlign=top width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD VALIGN="TOP" WIDTH="98%" ALIGN="LEFT" STYLE="text-align: justify"><A HREF="http://www.sec.gov/Archives/edgar/data/1090009/000120677419003329/sfb35772710-ex41.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>Indenture dated as of September 30, 2019 between Southern First Bancshares, Inc. and UMB Bank, National Association, as trustee (incorporated by reference to Exhibit 4.1 of the Company&#8217;s Form 8-K filed on September 30, 2019).</FONT></A></TD></TR>
<TR vAlign=bottom>
   <TD vAlign=top width="1%" noWrap align=left>&nbsp;<FONT size=2 face=Arial></FONT></TD>
   <TD vAlign=top width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD VALIGN="TOP" WIDTH="98%" ALIGN="LEFT" STYLE="text-align: justify"></TD></TR>
<TR vAlign=bottom>
   <TD vAlign=top width="1%" noWrap align=left><A HREF="http://www.sec.gov/Archives/edgar/data/1090009/000120677419003329/sfb35772710-ex42.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>4.4</FONT></A></TD>
   <TD vAlign=top width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD VALIGN="TOP" WIDTH="98%" ALIGN="LEFT" STYLE="text-align: justify"><A HREF="http://www.sec.gov/Archives/edgar/data/1090009/000120677419003329/sfb35772710-ex42.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>Form of 4.75% Fixed-to-Floating Subordinated Note due 2029 of Southern First Bancshares, Inc. (incorporated by reference to Exhibit 4.2 of the Company&#8217;s Form 8-K filed on September 30, 2019).</FONT></A></TD></TR>
<TR vAlign=bottom>
   <TD vAlign=top width="1%" noWrap align=left>&nbsp;</TD>
   <TD vAlign=top width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD VALIGN="TOP" WIDTH="98%" ALIGN="LEFT" STYLE="text-align: justify"><FONT size=2 face=Arial>   </FONT></TD></TR>
<TR vAlign=bottom>
   <TD vAlign=top width="1%" noWrap align=left><A HREF="http://www.sec.gov/Archives/edgar/data/1090009/000120677419003329/sfb35772710-ex41.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>4.5</FONT></A></TD>
   <TD vAlign=top width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD VALIGN="TOP" WIDTH="98%" ALIGN="LEFT" STYLE="text-align: justify"><A HREF="http://www.sec.gov/Archives/edgar/data/1090009/000120677419003329/sfb35772710-ex41.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial> Form of Global 4.75% Fixed-to-Floating Subordinated Note due 2029 of Southern First Bancshares, Inc. (incorporated by reference to the Exhibit 2 to Exhibit 4.1 of the Company&#8217;s Form 8-K filed on September 30, 2019).</FONT></A></TD></TR>
<TR vAlign=bottom>
   <TD vAlign=top width="1%" noWrap align=left>&nbsp;</TD>
   <TD vAlign=top width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD VALIGN="TOP" WIDTH="98%" ALIGN="LEFT" STYLE="text-align: justify"></TD></TR>
<TR vAlign=bottom>
   <TD vAlign=top width="1%" noWrap align=left><A HREF="http://www.sec.gov/Archives/edgar/data/1090009/000094270800000036/0000942708-00-000036.txt" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>10.1</FONT></A></TD>
   <TD vAlign=top width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD VALIGN="TOP" WIDTH="98%" ALIGN="LEFT" STYLE="text-align: justify"><A HREF="http://www.sec.gov/Archives/edgar/data/1090009/000094270800000036/0000942708-00-000036.txt" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>2000 Greenville First Bancshares, Inc. Stock Incentive Plan and Form of Option Agreement (incorporated by reference to Exhibit 10.7 to the Company&#8217;s Form 10-QSB for the period ended March 31, 2000).*</FONT></A></TD></TR>
<TR vAlign=bottom>
   <TD vAlign=top width="1%" noWrap align=left>&nbsp;<FONT size=2 face=Arial></FONT></TD>
   <TD vAlign=top width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD VALIGN="TOP" WIDTH="98%" ALIGN="LEFT" STYLE="text-align: justify"></TD></TR>
<TR vAlign=bottom>
   <TD vAlign=top width="1%" noWrap align=left><A HREF="http://www.sec.gov/Archives/edgar/data/1090009/000109000908000044/ex10-1.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>10.2</FONT></A></TD>
   <TD vAlign=top width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD VALIGN="TOP" WIDTH="98%" ALIGN="LEFT" STYLE="text-align: justify"><A HREF="http://www.sec.gov/Archives/edgar/data/1090009/000109000908000044/ex10-1.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>First Amendment to the Southern First Bancshares 2000 Stock Incentive Plan, adopted October 21, 2008 (incorporated by reference to Exhibit 10.1 of the Company&#8217;s Form 10-Q filed for the period ended September 30, 2008).*</FONT></A></TD></TR>
<TR vAlign=bottom>
   <TD vAlign=top width="1%" noWrap align=left>&nbsp;<FONT size=2 face=Arial></FONT></TD>
   <TD vAlign=top width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD VALIGN="TOP" WIDTH="98%" ALIGN="LEFT" STYLE="text-align: justify"></TD></TR>
<TR vAlign=bottom>
   <TD vAlign=top width="1%" noWrap align=left><A HREF="http://www.sec.gov/Archives/edgar/data/1090009/000114544310000844/d26423.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>10.3</FONT></A></TD>
   <TD vAlign=top width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD VALIGN="TOP" WIDTH="98%" ALIGN="LEFT" STYLE="text-align: justify"><A HREF="http://www.sec.gov/Archives/edgar/data/1090009/000114544310000844/d26423.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>Southern First Bancshares, Inc. 2010 Stock Incentive Plan (incorporated by reference to Appendix A of the Company&#8217;s Proxy Statement on Schedule 14A filed April 6, 2010).*</FONT></A></TD></TR>
<TR vAlign=bottom>
   <TD vAlign=top width="1%" noWrap align=left>&nbsp;<FONT size=2 face=Arial></FONT></TD>
   <TD vAlign=top width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD VALIGN="TOP" WIDTH="98%" ALIGN="LEFT" STYLE="text-align: justify"></TD></TR>
<TR vAlign=bottom>
   <TD vAlign=top width="1%" noWrap align=left><A HREF="http://www.sec.gov/Archives/edgar/data/1090009/000114544314000472/d31127.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>10.4</FONT></A></TD>
   <TD vAlign=top width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD VALIGN="TOP" WIDTH="98%" ALIGN="LEFT" STYLE="text-align: justify"><A HREF="http://www.sec.gov/Archives/edgar/data/1090009/000114544314000472/d31127.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>Amendment to Southern First Bancshares, Inc. 2010 Stock Incentive Plan (incorporated by reference to Appendix A of the Company&#8217;s Proxy Statement on Schedule 14A filed on April 15, 2014).*</FONT></A></TD></TR>
<TR vAlign=bottom>
   <TD vAlign=top width="1%" noWrap align=left>&nbsp;</TD>
   <TD vAlign=top width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD VALIGN="TOP" WIDTH="98%" ALIGN="LEFT" STYLE="text-align: justify"></TD></TR>
<TR vAlign=bottom>
   <TD vAlign=top width="1%" noWrap align=left><A HREF="http://www.sec.gov/Archives/edgar/data/1090009/000114544315000545/d32304.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>10.5</FONT></A></TD>
   <TD vAlign=top width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD VALIGN="TOP" WIDTH="98%" ALIGN="LEFT" STYLE="text-align: justify"><A HREF="http://www.sec.gov/Archives/edgar/data/1090009/000114544315000545/d32304.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>Amendment to Southern First Bancshares, Inc. 2010 Stock Incentive Plan (incorporated by reference to Appendix A of the Company&#8217;s Proxy Statement on Schedule 14A filed on April 14, 2015).*</FONT></A></TD></TR>
<TR vAlign=bottom>
   <TD vAlign=top width="1%" noWrap align=left>&nbsp;<FONT size=2 face=Arial></FONT></TD>
   <TD vAlign=top width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD VALIGN="TOP" WIDTH="98%" ALIGN="LEFT" STYLE="text-align: justify"> </TD></TR>
<TR vAlign=bottom>
   <TD vAlign=top width="1%" noWrap align=left><A HREF="http://www.sec.gov/Archives/edgar/data/1090009/000109000910000042/esexhibit4-6.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>10.6</FONT></A></TD>
   <TD vAlign=top width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD VALIGN="TOP" WIDTH="98%" ALIGN="LEFT" STYLE="text-align: justify"><A HREF="http://www.sec.gov/Archives/edgar/data/1090009/000109000910000042/esexhibit4-6.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>Form of Award Agreement for Stock Options (incorporated by reference to Exhibit 4.6 of the Company&#8217;s Form S-8 filed on August 12, 2010).*</FONT></A></TD></TR>
<TR vAlign=bottom>
   <TD vAlign=top width="1%" noWrap align=left>&nbsp;&nbsp;</TD>
   <TD vAlign=top width="1%" noWrap align=left></TD>
   <TD VALIGN="TOP" WIDTH="98%" ALIGN="LEFT" STYLE="text-align: justify">   </TD></TR>
<TR vAlign=bottom>
   <TD vAlign=top width="1%" noWrap align=left><A HREF="http://www.sec.gov/Archives/edgar/data/1090009/000109000910000042/esexhibit4-7.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>10.7</FONT></A></TD>
   <TD vAlign=top width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD VALIGN="TOP" WIDTH="98%" ALIGN="LEFT" STYLE="text-align: justify"><A HREF="http://www.sec.gov/Archives/edgar/data/1090009/000109000910000042/esexhibit4-7.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>Form of Award Agreement for Restricted Stock (incorporated by reference to Exhibit 4.7 of the Company&#8217;s Form S-8 filed on August 12, 2010).*</FONT></A></TD></TR>
<TR vAlign=bottom>
   <TD vAlign=top width="1%" noWrap align=left>&nbsp;</TD>
   <TD vAlign=top width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD VALIGN="TOP" WIDTH="98%" ALIGN="LEFT" STYLE="text-align: justify"> </TD></TR>
<TR vAlign=bottom>
   <TD vAlign=top width="1%" noWrap align=left><A HREF="http://www.sec.gov/Archives/edgar/data/1090009/000110465904023871/a04-9209_1ex10d6.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>10.8</FONT></A></TD>
   <TD vAlign=top width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD VALIGN="TOP" WIDTH="98%" ALIGN="LEFT" STYLE="text-align: justify"><A HREF="http://www.sec.gov/Archives/edgar/data/1090009/000110465904023871/a04-9209_1ex10d6.htm" STYLE="-sec-extract: exhibit"> <FONT size=2 face=Arial>Sublease Agreement between Greenville First Bank, N.A. and Augusta Road Holdings, LLC dated February 26, 2004 (incorporated by reference to Exhibit 10.6 of the Company&#8217;s Form 10-QSB for the period ended June 30, 2004).</FONT></A></TD></TR>
<TR vAlign=bottom>
   <TD vAlign=top width="1%" noWrap align=left>&nbsp;<FONT size=2 face=Arial></FONT></TD>
   <TD vAlign=top width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD VALIGN="TOP" WIDTH="98%" ALIGN="LEFT" STYLE="text-align: justify"> </TD></TR>
<TR vAlign=bottom>
   <TD vAlign=top width="1%" noWrap align=left><A HREF="http://www.sec.gov/Archives/edgar/data/1090009/000109000905000008/ex10-1_930051.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>10.9</FONT></A></TD>
   <TD vAlign=top width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD VALIGN="TOP" WIDTH="98%" ALIGN="LEFT" STYLE="text-align: justify"><A HREF="http://www.sec.gov/Archives/edgar/data/1090009/000109000905000008/ex10-1_930051.htm" STYLE="-sec-extract: exhibit"> <FONT size=2 face=Arial>Bonaventure I Office Lease Agreement with Greenville First Bank, N.A., dated September 20, 2005 (incorporated by reference to Exhibit 10.1 of the Company&#8217;s Form 10-Q for the period ended September 30, 2005).</FONT></A></TD></TR>
<TR vAlign=bottom>
   <TD vAlign=top width="1%" noWrap align=left>&nbsp;<FONT size=2 face=Arial></FONT></TD>
   <TD vAlign=top width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD VALIGN="TOP" WIDTH="98%" ALIGN="LEFT" STYLE="text-align: justify">   </TD></TR>
<TR vAlign=bottom>
   <TD vAlign=top width="1%" noWrap align=left><A HREF="http://www.sec.gov/Archives/edgar/data/1090009/000109000905000008/ex10-2_0930051.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>10.10</FONT></A></TD>
   <TD vAlign=top width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD VALIGN="TOP" WIDTH="98%" ALIGN="LEFT" STYLE="text-align: justify"><A HREF="http://www.sec.gov/Archives/edgar/data/1090009/000109000905000008/ex10-2_0930051.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>First Amendment to Office Lease Agreement with Greenville First Bank, N.A., dated September 20, 2005 (incorporated by reference to Exhibit 10.2 of the Company&#8217;s Form 10-Q for the period ended September 30, 2005).</FONT></A></TD></TR>
<TR vAlign=bottom>
   <TD vAlign=top width="1%" noWrap align=left>&nbsp;</TD>
   <TD vAlign=top width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD VALIGN="TOP" WIDTH="98%" ALIGN="LEFT" STYLE="text-align: justify">   </TD></TR>
<TR vAlign=bottom>
   <TD vAlign=top width="1%" noWrap align=left><A HREF="http://www.sec.gov/Archives/edgar/data/1090009/000109000913000035/seaver_employ_agreement.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>10.11</FONT></A></TD>
   <TD vAlign=top width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD VALIGN="TOP" WIDTH="98%" ALIGN="LEFT" STYLE="text-align: justify"><A HREF="http://www.sec.gov/Archives/edgar/data/1090009/000109000913000035/seaver_employ_agreement.htm" STYLE="-sec-extract: exhibit"> <FONT size=2 face=Arial>R. Arthur Seaver, Jr. Amended and Restated Employment Agreement (incorporated by reference to Exhibit 10.5 of the Company&#8217;s Form 8-K filed October 3, 2013).*</FONT></A></TD></TR></TABLE>
<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>104</FONT></P>
<HR align=center SIZE=2 width="100%" noShade>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV>

<P align ="left"><font size=2 face=Arial><A HREF="#toc"><B>Table of Contents</B></A></FONT></P>


<TABLE CELLPADDING="0" BORDER="0" STYLE="border-collapse: collapse; text-align: justify; line-height: normal; width: 100%">

<TR vAlign=bottom>
   <TD STYLE="vertical-align: top; width: 1%; white-space: nowrap; text-align: justify"><A HREF="http://www.sec.gov/Archives/edgar/data/1090009/000109000913000035/strickland_employ_agreement.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>10.12</FONT></A></TD>
   <TD STYLE="vertical-align: top; width: 1%; white-space: nowrap; text-align: justify"><FONT size=2 face=Arial></FONT></TD>
   <TD STYLE="text-align: justify; vertical-align: top; width: 98%; text-align: justify"><A HREF="http://www.sec.gov/Archives/edgar/data/1090009/000109000913000035/strickland_employ_agreement.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>F. Justin Strickland Amended and Restated Employment Agreement (incorporated by reference to Exhibit 10.6 of the Company&#8217;s Form 8-K filed October 3, 2013).*</FONT></A></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="vertical-align: top; white-space: nowrap; text-align: justify"></TD>
   <TD STYLE="vertical-align: top; white-space: nowrap; text-align: justify"></TD>
   <TD STYLE="text-align: justify; vertical-align: top; text-align: justify">&nbsp;&nbsp; </TD></TR>
<TR vAlign=bottom>
   <TD STYLE="vertical-align: top; white-space: nowrap; text-align: justify"><A HREF="http://www.sec.gov/Archives/edgar/data/1090009/000109000913000035/dowling_employ_agreement.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>10.13</FONT></A></TD>
   <TD STYLE="vertical-align: top; white-space: nowrap; text-align: justify"><FONT size=2 face=Arial></FONT></TD>
   <TD STYLE="text-align: justify; vertical-align: top; text-align: justify"><A HREF="http://www.sec.gov/Archives/edgar/data/1090009/000109000913000035/dowling_employ_agreement.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>Michael D. Dowling Amended and Restated Employment Agreement (incorporated by reference to Exhibit 10.8 of the Company&#8217;s Form 8-K filed October 3, 2013).*</FONT></A></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="vertical-align: top; white-space: nowrap; text-align: justify"></TD>
   <TD STYLE="vertical-align: top; white-space: nowrap; text-align: justify"></TD>
   <TD STYLE="text-align: justify; vertical-align: top; text-align: justify">&nbsp;&nbsp; </TD></TR>
<TR vAlign=bottom>
   <TD STYLE="vertical-align: top; white-space: nowrap; text-align: justify"><A HREF="http://www.sec.gov/Archives/edgar/data/1090009/000109000909000014/exhibit10-1.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>10.14</FONT></A></TD>
   <TD STYLE="vertical-align: top; white-space: nowrap; text-align: justify"><FONT size=2 face=Arial></FONT></TD>
   <TD STYLE="text-align: justify; vertical-align: top; text-align: justify"><A HREF="http://www.sec.gov/Archives/edgar/data/1090009/000109000909000014/exhibit10-1.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>Form of Split Dollar Agreement between certain executives and Southern First Bancshares, Inc. (incorporated by reference to Exhibit 10.1 of the Company&#8217;s Form 8-K filed February 18, 2009).*</FONT></A></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="vertical-align: top; white-space: nowrap; text-align: justify"></TD>
   <TD STYLE="vertical-align: top; white-space: nowrap; text-align: justify"></TD>
   <TD STYLE="text-align: justify; vertical-align: top; text-align: justify">&nbsp;&nbsp; </TD></TR>
<TR vAlign=bottom>
   <TD STYLE="vertical-align: top; white-space: nowrap; text-align: justify"><A HREF="http://www.sec.gov/Archives/edgar/data/1090009/000109000908000047/ex10-1.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>10.15</FONT></A></TD>
   <TD STYLE="vertical-align: top; white-space: nowrap; text-align: justify"><FONT size=2 face=Arial></FONT></TD>
   <TD STYLE="text-align: justify; vertical-align: top; text-align: justify"><A HREF="http://www.sec.gov/Archives/edgar/data/1090009/000109000908000047/ex10-1.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>Form of Southern First Bank, N.A. Salary Continuation Agreement dated December 17, 2008 (incorporated by reference to Exhibit 10.1 of the Company&#8217;s Form 8-K filed December 23, 2008).*</FONT></A></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="vertical-align: top; white-space: nowrap; text-align: justify"></TD>
   <TD STYLE="vertical-align: top; white-space: nowrap; text-align: justify"></TD>
   <TD STYLE="text-align: justify; vertical-align: top; text-align: justify">&nbsp;&nbsp;&nbsp; </TD></TR>
<TR vAlign=bottom>
   <TD STYLE="vertical-align: top; white-space: nowrap; text-align: justify"><A HREF="http://www.sec.gov/Archives/edgar/data/1090009/000109000908000047/ex10-2.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>10.16</FONT></A></TD>
   <TD STYLE="vertical-align: top; white-space: nowrap; text-align: justify"><FONT size=2 face=Arial></FONT></TD>
   <TD STYLE="text-align: justify; vertical-align: top; text-align: justify"><A HREF="http://www.sec.gov/Archives/edgar/data/1090009/000109000908000047/ex10-2.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>Form of First Amendment to Southern First Bank, N.A. Salary Continuation Agreement dated December 17, 2008 (incorporated by reference to Exhibit 10.2 of the Company&#8217;s Form 8-K filed December 23, 2008).*</FONT></A></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="vertical-align: top; white-space: nowrap; text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>
   <TD STYLE="vertical-align: top; white-space: nowrap; text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>
   <TD STYLE="text-align: justify; vertical-align: top; text-align: justify">&nbsp;&nbsp; </TD></TR>
<TR vAlign=bottom>
   <TD STYLE="vertical-align: top; white-space: nowrap; text-align: justify"><A HREF="http://www.sec.gov/Archives/edgar/data/1090009/000109000913000035/dowling_serp_2013.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>10.17</FONT></A></TD>
   <TD STYLE="vertical-align: top; white-space: nowrap; text-align: justify"><FONT size=2 face=Arial></FONT></TD>
   <TD STYLE="text-align: justify; vertical-align: top; text-align: justify"><A HREF="http://www.sec.gov/Archives/edgar/data/1090009/000109000913000035/dowling_serp_2013.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>Michael D. Dowling Salary Continuation Agreement (incorporated by reference to Exhibit 10.1 of the Company&#8217;s Form 8-K filed October 3, 2013).*</FONT></A></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="vertical-align: top; white-space: nowrap; text-align: justify"></TD>
   <TD STYLE="vertical-align: top; white-space: nowrap; text-align: justify"></TD>
   <TD STYLE="text-align: justify; vertical-align: top; text-align: justify">&nbsp;&nbsp; </TD></TR>
<TR vAlign=bottom>
   <TD STYLE="vertical-align: top; white-space: nowrap; text-align: justify"><A HREF="http://www.sec.gov/Archives/edgar/data/1090009/000109000913000035/strickland_serp.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>10.18</FONT></A></TD>
   <TD STYLE="vertical-align: top; white-space: nowrap; text-align: justify"><FONT size=2 face=Arial></FONT></TD>
   <TD STYLE="text-align: justify; vertical-align: top; text-align: justify"><A HREF="http://www.sec.gov/Archives/edgar/data/1090009/000109000913000035/strickland_serp.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>F. Justin Strickland First Amendment to Salary Continuation Agreement (incorporated by reference to Exhibit 10.2 of the Company&#8217;s Form 8-K filed October 3, 2013).*</FONT></A></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="vertical-align: top; white-space: nowrap; text-align: justify"></TD>
   <TD STYLE="vertical-align: top; white-space: nowrap; text-align: justify"></TD>
   <TD STYLE="text-align: justify; vertical-align: top; text-align: justify">&nbsp;&nbsp; </TD></TR>
<TR vAlign=bottom>
   <TD STYLE="vertical-align: top; white-space: nowrap; text-align: justify"><A HREF="http://www.sec.gov/Archives/edgar/data/1090009/000109000913000035/seaver_serp_2013.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>10.19</FONT></A></TD>
   <TD STYLE="vertical-align: top; white-space: nowrap; text-align: justify"><FONT size=2 face=Arial></FONT></TD>
   <TD STYLE="text-align: justify; vertical-align: top; text-align: justify"><A HREF="http://www.sec.gov/Archives/edgar/data/1090009/000109000913000035/seaver_serp_2013.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>R. Arthur Seaver, Jr. Second Amendment to Salary Continuation Agreement (incorporated by reference to Exhibit 10.4 of the Company&#8217;s Form 8-K filed October 3, 2013).*</FONT></A></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="vertical-align: top; white-space: nowrap; text-align: justify"></TD>
   <TD STYLE="vertical-align: top; white-space: nowrap; text-align: justify"></TD>
   <TD STYLE="text-align: justify; vertical-align: top; text-align: justify">&nbsp;&nbsp; </TD></TR>
<TR vAlign=bottom>
   <TD STYLE="vertical-align: top; white-space: nowrap; text-align: justify"><A HREF="http://www.sec.gov/Archives/edgar/data/1090009/000120677416005404/southern_def14a.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>10.20</FONT></A></TD>
   <TD STYLE="vertical-align: top; white-space: nowrap; text-align: justify"><FONT size=2 face=Arial></FONT></TD>
   <TD STYLE="text-align: justify; vertical-align: top; text-align: justify"><A HREF="http://www.sec.gov/Archives/edgar/data/1090009/000120677416005404/southern_def14a.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>Southern First Bancshares, Inc. 2016 Equity Incentive Plan (incorporated by reference to Appendix A of the Company&#8217;s Proxy Statement on Schedule 14A filed on April 12, 2016).*</FONT></A></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="vertical-align: top; white-space: nowrap; text-align: justify"></TD>
   <TD STYLE="vertical-align: top; white-space: nowrap; text-align: justify"></TD>
   <TD STYLE="text-align: justify; vertical-align: top; text-align: justify">&nbsp;&nbsp; </TD></TR>
<TR vAlign=bottom>
   <TD STYLE="vertical-align: top; white-space: nowrap; text-align: justify"><A HREF="http://www.sec.gov/Archives/edgar/data/1090009/000120677416006922/southernfirst3121171_2-ex46.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>10.21</FONT></A></TD>
   <TD STYLE="vertical-align: top; white-space: nowrap; text-align: justify"><FONT size=2 face=Arial></FONT></TD>
   <TD STYLE="text-align: justify; vertical-align: top; text-align: justify"><A HREF="http://www.sec.gov/Archives/edgar/data/1090009/000120677416006922/southernfirst3121171_2-ex46.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>Form of Award Agreement for Stock Options (incorporated by reference to Exhibit 4.6 of the Company&#8217;s Form S-8 filed on August 18, 2016).*</FONT></A></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="vertical-align: top; white-space: nowrap; text-align: justify"></TD>
   <TD STYLE="vertical-align: top; white-space: nowrap; text-align: justify"></TD>
   <TD STYLE="text-align: justify; vertical-align: top; text-align: justify">&nbsp;&nbsp; </TD></TR>
<TR vAlign=bottom>
   <TD STYLE="vertical-align: top; white-space: nowrap; text-align: justify"><A HREF="http://www.sec.gov/Archives/edgar/data/1090009/000120677416006922/southernfirst3121171_2-ex47.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>10.22</FONT></A></TD>
   <TD STYLE="vertical-align: top; white-space: nowrap; text-align: justify"><FONT size=2 face=Arial></FONT></TD>
   <TD STYLE="text-align: justify; vertical-align: top; text-align: justify"><A HREF="http://www.sec.gov/Archives/edgar/data/1090009/000120677416006922/southernfirst3121171_2-ex47.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>Form of Award Agreement for Restricted Stock (incorporated by reference to Exhibit 4.7 of the Company&#8217;s Form S-8 filed on August 18, 2016).*</FONT></A></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="vertical-align: top; white-space: nowrap; text-align: justify"></TD>
   <TD STYLE="vertical-align: top; white-space: nowrap; text-align: justify"></TD>
   <TD STYLE="text-align: justify; vertical-align: top; text-align: justify">&nbsp;&nbsp; </TD></TR>
<TR vAlign=bottom>
   <TD STYLE="vertical-align: top; white-space: nowrap; text-align: justify"><A HREF="http://www.sec.gov/Archives/edgar/data/1090009/000120677417001950/southern3279391-ex101.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>10.23</FONT></A></TD>
   <TD STYLE="vertical-align: top; white-space: nowrap; text-align: justify"><FONT size=2 face=Arial></FONT></TD>
   <TD STYLE="text-align: justify; vertical-align: top; text-align: justify"><A HREF="http://www.sec.gov/Archives/edgar/data/1090009/000120677417001950/southern3279391-ex101.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>Loan and Security Agreement, dated as of June 30, 2017, by and between Southern First Bancshares, Inc. and CenterState Bank, National Association (incorporated by reference to Exhibit 10.1 of the Company&#8217;s Form 8-K filed on July 3, 2017).</FONT></A></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="vertical-align: top; white-space: nowrap; text-align: justify"></TD>
   <TD STYLE="vertical-align: top; white-space: nowrap; text-align: justify"></TD>
   <TD STYLE="text-align: justify; vertical-align: top; text-align: justify">&nbsp; </TD></TR>
<TR vAlign=bottom>
   <TD STYLE="vertical-align: top; white-space: nowrap; text-align: justify"><A HREF="http://www.sec.gov/Archives/edgar/data/1090009/000120677417001950/southern3279391-ex102.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>10.24</FONT></A></TD>
   <TD STYLE="vertical-align: top; white-space: nowrap; text-align: justify"><FONT size=2 face=Arial></FONT></TD>
   <TD STYLE="text-align: justify; vertical-align: top; text-align: justify"><A HREF="http://www.sec.gov/Archives/edgar/data/1090009/000120677417001950/southern3279391-ex102.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>Promissory Note, dated as of June 30, 2017, by and between Southern First Bancshares, Inc. and CenterState Bank, National Association (incorporated by reference to Exhibit 10.2 of the Company&#8217;s Form 8-K filed on July 3, 2017).</FONT></A></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="vertical-align: top; white-space: nowrap; text-align: justify"></TD>
   <TD STYLE="vertical-align: top; white-space: nowrap; text-align: justify"></TD>
   <TD STYLE="text-align: justify; vertical-align: top; text-align: justify">&nbsp;&nbsp; </TD></TR>
<TR vAlign=bottom>
   <TD STYLE="vertical-align: top; white-space: nowrap; text-align: justify"><A HREF="http://www.sec.gov/Archives/edgar/data/1090009/000120677417001950/southern3279391-ex103.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>10.25</FONT></A></TD>
   <TD STYLE="vertical-align: top; white-space: nowrap; text-align: justify"><FONT size=2 face=Arial></FONT></TD>
   <TD STYLE="text-align: justify; vertical-align: top; text-align: justify"><A HREF="http://www.sec.gov/Archives/edgar/data/1090009/000120677417001950/southern3279391-ex103.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>Pledge Agreement, dated as of June 30, 2017, by and between Southern First Bancshares, Inc. and CenterState Bank, National Association (incorporated by reference to Exhibit 10.3 of the Company&#8217;s Form 8-K filed on July 3, 2017).</FONT></A></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="vertical-align: top; white-space: nowrap; text-align: justify"></TD>
   <TD STYLE="vertical-align: top; white-space: nowrap; text-align: justify"></TD>
   <TD STYLE="text-align: justify; vertical-align: top; text-align: justify">&nbsp;&nbsp; </TD></TR>
<TR vAlign=bottom>
   <TD STYLE="vertical-align: top; white-space: nowrap; text-align: justify"><A HREF="http://www.sec.gov/Archives/edgar/data/1090009/000120677419000337/sfb3459825-ex101.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>10.26</FONT></A></TD>
   <TD STYLE="vertical-align: top; white-space: nowrap; text-align: justify"><FONT size=2 face=Arial></FONT></TD>
   <TD STYLE="text-align: justify; vertical-align: top; text-align: justify"><A HREF="http://www.sec.gov/Archives/edgar/data/1090009/000120677419000337/sfb3459825-ex101.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>Amendment dated as of January 31, 2019 to R. Arthur Seaver, Jr. Amended and Restated Employment Agreement (incorporated by reference to Exhibit 10.1 of the Company&#8217;s Form 8-K filed on February 6, 2019).*</FONT></A></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="vertical-align: top; white-space: nowrap; text-align: justify"></TD>
   <TD STYLE="vertical-align: top; white-space: nowrap; text-align: justify"></TD>
   <TD STYLE="text-align: justify; vertical-align: top; text-align: justify">&nbsp;&nbsp; </TD></TR>
<TR vAlign=bottom>
   <TD STYLE="vertical-align: top; white-space: nowrap; text-align: justify"><A HREF="http://www.sec.gov/Archives/edgar/data/1090009/000120677419000337/sfb3459825-ex102.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>10.27</FONT></A></TD>
   <TD STYLE="vertical-align: top; white-space: nowrap; text-align: justify"><FONT size=2 face=Arial></FONT></TD>
   <TD STYLE="text-align: justify; vertical-align: top; text-align: justify"><A HREF="http://www.sec.gov/Archives/edgar/data/1090009/000120677419000337/sfb3459825-ex102.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>Amendment dated as of January 31, 2019 to F. Justin Strickland Amended and Restated Employment Agreement (incorporated by reference to Exhibit 10.2 of the Company&#8217;s Form 8-K filed on February 6, 2019).*</FONT></A></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="vertical-align: top; white-space: nowrap; text-align: justify"></TD>
   <TD STYLE="vertical-align: top; white-space: nowrap; text-align: justify"></TD>
   <TD STYLE="text-align: justify; vertical-align: top; text-align: justify">&nbsp; </TD></TR>
<TR vAlign=bottom>
   <TD STYLE="vertical-align: top; white-space: nowrap; text-align: justify"><A HREF="http://www.sec.gov/Archives/edgar/data/1090009/000120677419000337/sfb3459825-ex103.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>10.28</FONT></A></TD>
   <TD STYLE="vertical-align: top; white-space: nowrap; text-align: justify"><FONT size=2 face=Arial></FONT></TD>
   <TD STYLE="text-align: justify; vertical-align: top; text-align: justify"><A HREF="http://www.sec.gov/Archives/edgar/data/1090009/000120677419000337/sfb3459825-ex103.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>Amendment dated as of January 31, 2019 to Michael D. Dowlling Amended and Restated Employment Agreement (incorporated by reference to Exhibit 10.3 of the Company&#8217;s Form 8-K filed on February 6, 2019).*</FONT></A></TD></TR></TABLE>
<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>105</FONT></P>
<HR align=center SIZE=2 width="100%" noShade>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV>

<P align ="left"><font size=2 face=Arial><A HREF="#toc"><B>Table of Contents</B></A></FONT></P>


<TABLE style="TEXT-ALIGN: justify; LINE-HEIGHT: normal" cellPadding=0 width="100%" border=0>

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   <P><FONT size=2 face=Arial>10.29</FONT></P></TD>
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   <TD VALIGN="TOP" WIDTH="98%" ALIGN="LEFT" STYLE="text-align: justify"><FONT size=2 face=Arial>Development Services Agreement dated as of April 9, 2019 between Southern First Bank and Cothran Properties, LLC (incorporated by reference to Exhibit 10.1 of the Company&#8217;s Form 10-Q filed on August 2, 2019).</FONT></TD></TR>
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   <TD WIDTH="1%" NOWRAP STYLE="text-align: left; vertical-align: top">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>
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   <TD WIDTH="1%" NOWRAP STYLE="text-align: left; vertical-align: top"><A HREF="http://www.sec.gov/Archives/edgar/data/1090009/000120677419003329/sfb35772710-ex101.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>10.30</FONT></A></TD>
   <TD vAlign=top width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD VALIGN="TOP" WIDTH="98%" ALIGN="LEFT" STYLE="text-align: justify"><A HREF="http://www.sec.gov/Archives/edgar/data/1090009/000120677419003329/sfb35772710-ex101.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>Form of Subordinated Note Purchase Agreement dated as of September 30, 2019 by and among Southern First Bancshares, Inc. and certain qualified institutional buyers and accredited investors (incorporated by reference to Exhibit 10.1 of the Company&#8217;s Form 8-K filed on September 30, 2019).</FONT></A></TD></TR>
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   <TD WIDTH="1%" NOWRAP STYLE="text-align: left; vertical-align: top">&nbsp;</TD>
   <TD vAlign=top width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD VALIGN="TOP" WIDTH="98%" ALIGN="LEFT" STYLE="text-align: justify"><FONT size=2 face=Arial></FONT></TD></TR>
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   <TD WIDTH="1%" NOWRAP STYLE="text-align: left; vertical-align: top"><A HREF="http://www.sec.gov/Archives/edgar/data/1090009/000120677419003329/sfb35772710-ex102.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial><FONT size=2 face=Arial>10.31</FONT></FONT></A></TD>
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   <TD VALIGN="TOP" WIDTH="98%" ALIGN="LEFT" STYLE="text-align: justify"><A HREF="http://www.sec.gov/Archives/edgar/data/1090009/000120677419003329/sfb35772710-ex102.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>Form of Registration Rights Agreement dated as of September 30, 2019 by and among Southern First Bancshares, Inc. and certain qualified institutional buyers and accredited investors (incorporated by reference to Exhibit 10.2 of the Company&#8217;s Form 8-K filed on September 30, 2019).</FONT></A></TD></TR>
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   <TD WIDTH="1%" NOWRAP STYLE="text-align: left; vertical-align: top">&nbsp;</TD>
   <TD vAlign=top width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
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   <TD WIDTH="1%" NOWRAP STYLE="text-align: left; vertical-align: top"><A HREF="http://www.sec.gov/Archives/edgar/data/1090009/000120677420000228/sfb35772714-ex101.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>10.32</FONT></A></TD>
   <TD vAlign=top width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD VALIGN="TOP" WIDTH="98%" ALIGN="LEFT" STYLE="text-align: justify"><A HREF="http://www.sec.gov/Archives/edgar/data/1090009/000120677420000228/sfb35772714-ex101.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>Consulting Agreement dated as of January 23, 2020 between Southern First Bancshares, Inc., Southern First Bank, and F. Justin Strickland (incorporated by reference to Exhibit 10.1 of the Company&#8217;s Form 8-K filed on January 23, 2020).*</FONT></A></TD></TR>
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   <TD WIDTH="1%" NOWRAP STYLE="text-align: left; vertical-align: top">&nbsp;</TD>
   <TD vAlign=top width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD VALIGN="TOP" WIDTH="98%" ALIGN="LEFT" STYLE="text-align: justify"><FONT size=2 face=Arial></FONT></TD></TR>
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   <TD WIDTH="1%" NOWRAP STYLE="text-align: left; vertical-align: top"><A HREF="http://www.sec.gov/Archives/edgar/data/1090009/000120677420000228/sfb35772714-ex102.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>10.33</FONT></A></TD>
   <TD vAlign=top width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD VALIGN="TOP" WIDTH="98%" ALIGN="LEFT" STYLE="text-align: justify"><A HREF="http://www.sec.gov/Archives/edgar/data/1090009/000120677420000228/sfb35772714-ex102.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>General Waiver and Release Agreement dated as of January 23, 2020 between Southern First Bank and F. Justin Strickland (incorporated by reference to Exhibit 10.2 of the Company&#8217;s Form 8-K filed on January 23, 2020).*</FONT></A></TD></TR>
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   <TD VALIGN="TOP" WIDTH="98%" ALIGN="LEFT" STYLE="text-align: justify">&nbsp; </TD></TR>
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   <TD WIDTH="1%" NOWRAP STYLE="text-align: left; vertical-align: top"><A HREF="sfb35772717-ex21.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>21</FONT></A></TD>
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   <TD VALIGN="TOP" WIDTH="98%" ALIGN="LEFT" STYLE="text-align: justify"><A HREF="sfb35772717-ex21.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>Subsidiaries.</FONT></A></TD></TR>
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   <TD WIDTH="1%" NOWRAP STYLE="text-align: left; vertical-align: top"><A HREF="sfb35772717-ex23.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>23</FONT></A></TD>
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   <TD VALIGN="TOP" WIDTH="98%" ALIGN="LEFT" STYLE="text-align: justify"><A HREF="sfb35772717-ex23.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>Consent of Independent Public Accountants.</FONT></A></TD></TR>
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   <TD VALIGN="TOP" WIDTH="98%" ALIGN="LEFT" STYLE="text-align: justify"><FONT size=2 face=Arial>&nbsp;&nbsp; </FONT></TD></TR>
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   <TD WIDTH="1%" NOWRAP STYLE="text-align: left; vertical-align: top"><A HREF="#SIGNATURES107" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>24</FONT></A></TD>
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   <TD VALIGN="TOP" WIDTH="98%" ALIGN="LEFT" STYLE="text-align: justify"><A HREF="#SIGNATURES107" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>Power of Attorney (contained herein as part of the signature pages).</FONT></A></TD></TR>
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   <TD WIDTH="1%" NOWRAP STYLE="text-align: left; vertical-align: top"><A HREF="sfb35772717-ex311.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>31.1</FONT></A></TD>
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   <TD VALIGN="TOP" WIDTH="98%" ALIGN="LEFT" STYLE="text-align: justify"><A HREF="sfb35772717-ex311.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>Rule 13a-14(a) Certification of the Principal Executive Officer.</FONT></A></TD></TR>
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   <TD WIDTH="1%" NOWRAP STYLE="text-align: left; vertical-align: top"><A HREF="sfb35772717-ex312.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>31.2</FONT></A></TD>
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   <TD VALIGN="TOP" WIDTH="98%" ALIGN="LEFT" STYLE="text-align: justify"><A HREF="sfb35772717-ex312.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>Rule 13a-14(a) Certification of the Principal Financial Officer.</FONT></A></TD></TR>
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   <TD WIDTH="1%" NOWRAP STYLE="text-align: left; vertical-align: top"><A HREF="sfb35772717-ex42.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>32</FONT></A></TD>
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   <TD VALIGN="TOP" WIDTH="98%" ALIGN="LEFT" STYLE="text-align: justify"><A HREF="sfb35772717-ex42.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>Section 1350 Certifications of the Principal Executive Officer and Principal Financial Officer.</FONT></A></TD></TR>
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   <TD WIDTH="98%" ALIGN="LEFT" STYLE="text-align: justify"><FONT size=2 face=Arial></FONT>&nbsp;&nbsp;&nbsp;</TD></TR>
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   <P STYLE="text-align: justify"><FONT size=2 face=Arial>The following materials from the Company&#8217;s Annual Report on Form 10-K for the year ended December 31, 2019, formatted in eXtensible Business Reporting Language (XBRL); (i) the Consolidated Balance Sheets at December 31, 2019 and December 31, 2018, (ii) Consolidated Statements of Income for the years ended December 31, 2019, 2018, and 2017, (iii) Consolidated Statements of Changes in Shareholders&#8217; Equity and Comprehensive Income for the years ended December 31, 2019, 2018, and 2017, (iv) Consolidated Statements of Cash Flows for the years ended December 31, 2019, 2018, and 2017, and (iv) Notes to Consolidated Financial Statements.</FONT></P></TD></TR>
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   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>*&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
   <TD width="98%" noWrap align=left><FONT size=2 face=Arial>Management contract or compensatory plan or arrangement</FONT></TD></TR></TABLE>
<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>106</FONT></P>
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<DIV style="PAGE-BREAK-BEFORE: always"></DIV>

<P align ="left"><font size=2 face=Arial><A HREF="#toc"><B>Table of Contents</B></A></FONT></P>


<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial><A NAME="SIGNATURES107"></A>SIGNATURES</FONT></B></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.</FONT></P>
<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>SOUTHERN FIRST BANCSHARES, INC.</FONT></B></P>
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   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>Date:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="22%" noWrap align=left><FONT size=2 face=Arial>March 2, 2020</FONT></TD>
   <TD width="15%" noWrap align=left>&nbsp;</TD>
   <TD width="27%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>By:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="20%" noWrap align=left><FONT size=2 face=Arial>/s/ R. Arthur Seaver, Jr.</FONT></TD>
   <TD width="15%" noWrap align=left>&nbsp;</TD></TR>
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   <TD width="1%" noWrap align=left></TD>
   <TD width="37%" colSpan=2 noWrap align=left></TD>
   <TD width="27%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="35%" colSpan=2 noWrap align=left><FONT size=2 face=Arial>Chief Executive Officer</FONT></TD></TR></TABLE>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>KNOW ALL MEN BY THESE PRESENTS, that each person whose signature appears below constitutes and appoints R. Arthur Seaver, Jr., his true and lawful attorney-in-fact and agent, with full power of substitution and resubstitution, for him and in his name, place and stead, in any and all capacities, to sign any and all amendments to this Annual Report on Form 10-K, and to file the same, with all exhibits thereto, and other documents in connection therewith, with the Securities and Exchange Commission, granting unto the attorney-in-fact and agent full power and authority to do and perform each and every act and thing requisite or necessary to be done in and about the premises, as fully to all intents and purposes as he might or could do in person, hereby ratifying and confirming all that the attorney-in-fact and agent, or his substitute or substitutes, may lawfully do or cause to be done by virtue hereof.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Pursuant to the requirements of the securities Exchange Act of 1934, this report has been signed below by the following persons on behalf of the registrant in the capacities and on the dates indicated.</FONT></P>
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   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="39%" noWrap align=left><B><FONT size=2 face=Arial>Signature</FONT></B></TD>
   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="44%" noWrap align=left><B><FONT size=2 face=Arial>Title</FONT></B></TD>
   <TD width="1%" noWrap align=left><B><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></B></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="15%" noWrap align=left><B><FONT size=2 face=Arial>Date</FONT></B></TD></TR>
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   <TD width="100%" colSpan=5>&nbsp;&nbsp; </TD></TR>
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   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="39%" noWrap align=left><FONT size=2 face=Arial>/s/ R. Arthur Seaver, Jr.</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="44%" noWrap align=left><FONT size=2 face=Arial>Director, Chief Executive Officer</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="15%" noWrap align=left><FONT size=2 face=Arial>March 2, 2020</FONT></TD></TR>
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   <TD width="39%" noWrap align=left><FONT size=2 face=Arial>R. Arthur Seaver, Jr.</FONT></TD>
   <TD width="1%" noWrap align=left><I><FONT size=2 face=Arial></FONT></I></TD>
   <TD width="44%" noWrap align=left><I><FONT size=2 face=Arial>(Principal Executive Officer)</FONT></I></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="15%" noWrap align=left></TD></TR>
<TR>
   <TD width="100%" colSpan=5>&nbsp;&nbsp; </TD></TR>
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   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="39%" noWrap align=left><FONT size=2 face=Arial>/s/ Michael D. Dowling</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="44%" noWrap align=left><FONT size=2 face=Arial>Chief Financial Officer, Chief Operating Officer</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="15%" noWrap align=left><FONT size=2 face=Arial>March 2, 2020</FONT></TD></TR>
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   <TD width="39%" noWrap align=left><FONT size=2 face=Arial>Michael D. Dowling</FONT></TD>
   <TD width="1%" noWrap align=left><I><FONT size=2 face=Arial></FONT></I></TD>
   <TD width="44%" noWrap align=left><I><FONT size=2 face=Arial>(Principal Financial and Accounting Officer)</FONT></I></TD>
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   <TD width="15%" noWrap align=left></TD></TR>
<TR>
   <TD width="100%" colSpan=5>&nbsp;&nbsp; </TD></TR>
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   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="39%" noWrap align=left><FONT size=2 face=Arial>/s/ Andrew B. Cajka, Jr.</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="44%" noWrap align=left><FONT size=2 face=Arial>Director</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="15%" noWrap align=left><FONT size=2 face=Arial>March 2, 2020</FONT></TD></TR>
<TR vAlign=bottom>
   <TD width="39%" noWrap align=left><FONT size=2 face=Arial>Andrew B. Cajka, Jr.</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="44%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="15%" noWrap align=left></TD></TR>
<TR>
   <TD width="100%" colSpan=5>&nbsp;&nbsp; </TD></TR>
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   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="39%" noWrap align=left><FONT size=2 face=Arial>/s/ Mark A. Cothran</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="44%" noWrap align=left><FONT size=2 face=Arial>Director</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="15%" noWrap align=left><FONT size=2 face=Arial>March 2, 2020</FONT></TD></TR>
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   <TD width="39%" noWrap align=left><FONT size=2 face=Arial>Mark A. Cothran</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="44%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="15%" noWrap align=left></TD></TR>
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   <TD width="100%" colSpan=5>&nbsp;&nbsp; </TD></TR>
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   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="39%" noWrap align=left><FONT size=2 face=Arial>/s/ Leighton M. Cubbage</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="44%" noWrap align=left><FONT size=2 face=Arial>Director</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="15%" noWrap align=left><FONT size=2 face=Arial>March 2, 2020</FONT></TD></TR>
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   <TD width="39%" noWrap align=left><FONT size=2 face=Arial>Leighton M. Cubbage</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="44%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="15%" noWrap align=left></TD></TR>
<TR>
   <TD width="100%" colSpan=5>&nbsp;&nbsp; </TD></TR>
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   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="39%" noWrap align=left><FONT size=2 face=Arial>/s/ David G. Ellison</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="44%" noWrap align=left><FONT size=2 face=Arial>Director</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="15%" noWrap align=left><FONT size=2 face=Arial>March 2, 2020</FONT></TD></TR>
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   <TD width="39%" noWrap align=left><FONT size=2 face=Arial>David G. Ellison</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="44%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="15%" noWrap align=left></TD></TR>
<TR>
   <TD width="100%" colSpan=5>&nbsp; </TD></TR>
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   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="39%" noWrap align=left><FONT size=2 face=Arial>/s/ Anne S. Ellefson</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="44%" noWrap align=left><FONT size=2 face=Arial>Director</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="15%" noWrap align=left><FONT size=2 face=Arial>March 2, 2020</FONT></TD></TR>
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   <TD width="39%" noWrap align=left><FONT size=2 face=Arial>Anne S. Ellefson</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="44%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="15%" noWrap align=left></TD></TR>
<TR>
   <TD width="100%" colSpan=5>&nbsp; </TD></TR>
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   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="39%" noWrap align=left><FONT size=2 face=Arial>/s/ Fred Gilmer, Jr.</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="44%" noWrap align=left><FONT size=2 face=Arial>Director</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="15%" noWrap align=left><FONT size=2 face=Arial>March 2, 2020</FONT></TD></TR>
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   <TD width="39%" noWrap align=left><FONT size=2 face=Arial>Fred Gilmer, Jr.</FONT></TD>
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   <TD width="44%" noWrap align=left></TD>
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   <TD width="100%" colSpan=5>&nbsp; </TD></TR>
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   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="39%" noWrap align=left><FONT size=2 face=Arial>/s/ Tecumseh Hooper, Jr.</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="44%" noWrap align=left><FONT size=2 face=Arial>Director</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="15%" noWrap align=left><FONT size=2 face=Arial>March 2, 2020</FONT></TD></TR>
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   <TD width="39%" noWrap align=left><FONT size=2 face=Arial>Tecumseh Hooper, Jr.</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="44%" noWrap align=left></TD>
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   <TD width="15%" noWrap align=left></TD></TR>
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   <TD width="100%" colSpan=5>&nbsp; </TD></TR>
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   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="39%" noWrap align=left><FONT size=2 face=Arial>/s/ Rudolph G. Johnstone, III M.D.</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="44%" noWrap align=left><FONT size=2 face=Arial>Director</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="15%" noWrap align=left><FONT size=2 face=Arial>March 2, 2020</FONT></TD></TR>
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   <TD width="39%" noWrap align=left><FONT size=2 face=Arial>Rudolph G. Johnstone, III, M.D.</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="44%" noWrap align=left></TD>
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   <TD width="15%" noWrap align=left></TD></TR>
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   <TD width="100%" colSpan=5>&nbsp; </TD></TR>
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   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="39%" noWrap align=left><FONT size=2 face=Arial>/s/ Anna T. Locke</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="44%" noWrap align=left><FONT size=2 face=Arial>Director</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="15%" noWrap align=left><FONT size=2 face=Arial>March 2, 2020</FONT></TD></TR>
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   <TD width="39%" noWrap align=left><FONT size=2 face=Arial>Anna T. Locke</FONT></TD>
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   <TD width="44%" noWrap align=left></TD>
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   <TD width="100%" colSpan=5>&nbsp;&nbsp; </TD></TR>
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   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="39%" noWrap align=left><FONT size=2 face=Arial>/s/ James B. Orders, III</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="44%" noWrap align=left><FONT size=2 face=Arial>Director, Chairman</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="15%" noWrap align=left><FONT size=2 face=Arial>March 2, 2020</FONT></TD></TR>
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   <TD width="39%" noWrap align=left><FONT size=2 face=Arial>James B. Orders, III</FONT></TD>
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<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>107</FONT></P>
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<TYPE>EX-4.2
<SEQUENCE>2
<FILENAME>sfb35772717-ex42.htm
<DESCRIPTION>FORM OF CERTIFICATE OF COMMON STOCK
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<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>Exhibit 4.2</FONT></B></P>
<P style="TEXT-ALIGN: center"><B><FONT size=2 face=Arial>DESCRIPTION OF SOUTHERN FIRST BANCSHARES, INC. CAPITAL STOCK</FONT></B></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>References to &#8220;we,&#8221; &#8220;us&#8221; or &#8220;our&#8221; and the &#8220;Company&#8221; herein refer to Southern First Bancshares, Inc., a South Carolina corporation.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>This summary does not purport to be complete and is subject to and is qualified in its entirety by reference to our amended and restated articles of incorporation, as amended (&#8220;Articles of Incorporation&#8221;), and our amended and restated bylaws (&#8220;Bylaws&#8221;), each of which is incorporated herein by reference as an exhibit to our Annual Report on Form 10-K filed with the Securities and Exchange Commission of which this Exhibit 4.1 is a part. We encourage you to read our Articles of Incorporation and Bylaws, which are incorporated herein by reference, and the applicable provisions of the South Carolina Business Corporation Act.</FONT></P>
<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>General</FONT></B></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Our Articles of Incorporation authorize the issuance of capital stock consisting of 10,000,0000 shares of common stock, par value $0.01 per share, and 10,000,000 shares of preferred stock, par value $0.01 per share. As of December 31, 2019, we had 7,672,678 shares of common stock outstanding and had reserved for issuance 541,414 shares underlying options that are or may become exercisable at an average price of $26.65 per share. In addition, as of December 31, 2019, we had the ability to issue 216,339 shares of common stock pursuant to options and restricted stock that may be granted in the future under our existing equity compensation plans. As of December 31, 2019, we had no shares of preferred stock issued and outstanding.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Pursuant to the provisions of the South Carolina Business Corporation Act, any outstanding shares of capital stock of the Company reacquired by it would be considered authorized but unissued shares. The authorized but unissued shares of our common stock and preferred stock are available for general purposes, including, but not limited to, the possible issuance as stock dividends, use in connection with mergers or acquisitions, cash dividend reinvestments, stock purchase plans, public or private offerings, or our equity compensation plans. Except as may be required to approve a merger or other transaction in which additional authorized shares of common stock would be issued, no shareholder approval will be required for the issuance of those shares.</FONT></P>
<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>Common Stock</FONT></B></P>
<P style="TEXT-ALIGN: justify"><B><I><FONT size=2 face=Arial>General</FONT></I></B></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Each share of common stock has the same relative rights as, and is identical in all respects to, each other share of common stock. All outstanding shares of our common stock are fully paid and nonassessable. Our common stock is listed on The NASDAQ Global Market<SUP>TM </SUP>under the symbol &#8220;SFST&#8221;.</FONT></P>
<P style="TEXT-ALIGN: justify"><B><I><FONT size=2 face=Arial>Voting Rights</FONT></I></B></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Each outstanding share of our common stock entitles the holder to one vote on all matters submitted to a vote of common shareholders, including the election of directors. The holders of our common stock possess exclusive voting power, except as otherwise provided by law or by articles of amendment establishing any series of our preferred stock.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>There is no cumulative voting in the election of directors. The holders of a majority of the votes cast by our common shareholders can elect all of the directors then standing for election by the common shareholders. When a quorum is present at any meeting, questions brought before the meeting will be decided by the vote of the holders of a majority of the shares present and voting on such matter, whether in person or by proxy, except when the meeting concerns matters requiring the vote of a greater number of affirmative votes under applicable South Carolina law or our Articles of Incorporation. Our Articles of Incorporation and Bylaws provide certain provisions that may limit shareholders&#8217; ability to effect a change in control as described under the section below entitled &#8220;Anti-Takeover Effects of Certain Articles of Incorporation and Bylaws Provisions.&#8221;</FONT></P>
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<P style="TEXT-ALIGN: justify"><B><I><FONT size=2 face=Arial>Dividends, Liquidation and Other Rights</FONT></I></B></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>We can pay dividends if, as and when declared by our board of directors, subject to compliance with limitations imposed by law. Holders of shares of common stock are entitled to receive dividends only when, as and if approved by our board of directors from funds legally available for the payment of dividends. If we issue preferred stock, the holders of such preferred stock may have a priority over the holders of common stock with respect to dividends.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Our shareholders are entitled to share ratably in our assets legally available for distribution to our shareholders in the event of our liquidation, dissolution or winding up, voluntarily or involuntarily, after payment of, or adequate provision for, all of our known debts and liabilities. These rights are subject to the preferential rights of any series of our preferred stock that may then be outstanding.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Holders of shares of our common stock have no preference, conversion, exchange, sinking fund or redemption rights and have no preemptive rights to subscribe for any of our securities. Our board of directors may issue additional shares of our common stock or rights to purchase shares of our common stock without the approval of our shareholders.</FONT></P>
<P style="TEXT-ALIGN: justify"><B><I><FONT size=2 face=Arial>Transfer Agent and Registrar</FONT></I></B></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Subject to compliance with applicable federal and state securities laws, our common stock may be transferred without any restrictions or limitations. The transfer agent and registrar for shares of our common stock is Computershare, Inc.</FONT></P>
<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>Preferred Stock</FONT></B></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Our board of directors, without shareholder approval, is empowered to authorize the issuance, in one or more series, of shares of preferred stock at such times, for such purposes and for such consideration as it may deem advisable. Our board of directors is also authorized to fix, before the issuance thereof, the designation, voting, conversion, preference and other relative rights, qualifications and limitations of any such series of preferred stock. Accordingly, our board of directors, without shareholder approval, may authorize the issuance of one or more series of preferred stock with voting and conversion rights which could adversely affect the voting power of the holders of common stock and, under certain circumstances, discourage an attempt by others to gain control of the Company.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The creation and issuance of any series of preferred stock, and the relative rights, designations and preferences of such series, if and when established, will depend on, among other things, our future capital needs, then existing market conditions and other factors that, in the judgment of our board of directors, might warrant the issuance of preferred stock.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>No shares of preferred stock are issued and outstanding as of December 31, 2019.</FONT></P>
<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>Anti-Takeover Effects of Certain Articles of Incorporation and Bylaws Provisions</FONT></B></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Our Articles of Incorporation and Bylaws, in addition to the South Carolina Business Corporation Act, contain certain provisions that make it more difficult to acquire control of us by means of a tender offer, open market purchase, a proxy fight or otherwise. Several of these provisions are designed to encourage persons seeking to acquire control of us to negotiate with our board of directors. We believe that, as a general rule, the interests of our shareholders would be best served if any change in control results from negotiations with our board of directors.</FONT></P>
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<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The following description of certain provisions of our Articles of Incorporation and Bylaws that may have anti-takeover effects is a summary only and is subject to, and is qualified by reference to, applicable provisions of our Articles of Incorporation and our Bylaws as well as applicable provisions of the South Carolina Business Corporation Act.</FONT></P>
<P style="TEXT-ALIGN: justify"><B><I><FONT size=2 face=Arial>Staggered Board of Directors</FONT></I></B></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Our Articles of Incorporation provide for a staggered board, to which approximately one-third of our board of directors is elected each year at our annual meeting of shareholders. Accordingly, our directors serve three-year terms rather than one-year terms. Our staggered board of directors has the effect of making it more difficult for shareholders to change the composition of our board of directors. At least two annual meetings of shareholders, instead of one, will generally be required to effect a change in a majority of our board of directors. Such a delay may help ensure that our directors, if confronted by a holder attempting to force a proxy contest, a tender or exchange offer, or an extraordinary corporate transaction, would have sufficient time to review the proposal as well as any available alternatives to the proposal and to act in what they believe to be the best interests of our shareholders.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The provisions of our Articles of Incorporation regarding the staggered board of directors could also have the effect of discouraging a third party from initiating a proxy contest, making a tender offer or otherwise attempting to obtain control of us, even though such an attempt might be beneficial to us and our shareholders. The staggered board of directors could thus increase the likelihood that incumbent directors will retain their positions. In addition, because the staggered board of directors may discourage accumulations of large blocks of our stock by purchasers whose objective is to take control of us and remove a majority of our board of directors, the staggered board of directors could tend to reduce the likelihood of fluctuations in the market price of our common stock that might result from accumulations of large blocks of our common stock for such a purpose. Accordingly, our shareholders could be deprived of certain opportunities to sell their shares at a higher market price than might otherwise be the case.</FONT></P>
<P style="TEXT-ALIGN: justify"><B><I><FONT size=2 face=Arial>Factors to be Considered in Certain Transactions</FONT></I></B></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Our Articles of Incorporation provide that, in discharging the duties of their respective positions and in determining what is in the best interests of the Company, the board of directors, committees of the board of directors, and individual directors may consider the interests of our employees, customers, suppliers, creditors, and other constituencies of the Company and its subsidiaries, the communities and geographical areas in which we and our subsidiaries operate or are located, and all other factors such directors consider pertinent in addition to the interests of our shareholders.</FONT></P>
<P style="TEXT-ALIGN: justify"><B><I><FONT size=2 face=Arial>Limitation of Personal Liability of Directors</FONT></I></B></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Our Articles of Incorporation provide for the elimination or limitation of director liability for monetary damages to the maximum extent allowed by South Carolina law.</FONT></P>
<P style="TEXT-ALIGN: justify"><B><I><FONT size=2 face=Arial>Indemnification of Directors and Officers and Insurance</FONT></I></B></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Our Bylaws provide for the indemnification of any current and former directors to the fullest extent authorized by law. We may advance reasonable expenses to directors, provided that if required by law, such advancement of expenses shall only be made if the director seeking such advancement provides us with a written affirmation of his or her good faith belief that he or she met the standard of conduct required by law and a written undertaking to repay the advance if it is ultimately determined that he or she did not meet that standard of conduct. Our Bylaws further provide that we may, to the extent authorized from time to time by our board of directors, grant rights of indemnification and the advancement of expenses to any officer, employee or agent of the Company consistent with the other provisions of our Bylaws concerning the indemnification and advancement of expenses to our directors.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Our Bylaws provide that we may maintain insurance, at our expense, to protect us and any director, officer, employee or agent of ours or another corporation, partnership, joint venture, trust or other enterprise against any expense, liability or loss, whether or not we would have the power to indemnify such person against such expense, liability or loss under applicable law.</FONT></P>
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<P style="TEXT-ALIGN: justify"><B><I><FONT size=2 face=Arial>Authorized but Unissued Preferred Stock</FONT></I></B></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The authorization of the preferred stock could have the effect of making it more difficult or time-consuming for a third party to acquire a majority of our outstanding voting stock or otherwise effect a change of control. Shares of the preferred stock may also be sold to third parties that indicate that they would support the board of directors in opposing a hostile takeover bid. The availability of the preferred stock could have the effect of delaying a change of control and of increasing the consideration ultimately paid to our shareholders. Our board of directors may authorize the issuance of preferred stock for capital-raising activities, acquisitions, joint ventures or other corporate purposes that have the effect of making an acquisition of us more difficult or costly, as could also be the case if the board of directors were to issue additional common stock for such purposes.</FONT></P>
<P style="TEXT-ALIGN: justify"><B><I><FONT size=2 face=Arial>Business Combinations with Interested Shareholders</FONT></I></B></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The South Carolina business combinations statute provides that a 10% or greater shareholder of a resident domestic corporation cannot engage in a &#8220;business combination&#8221; (as defined in the statute) with such corporation for a period of two years following the date on which the 10% shareholder became such, unless the business combination or the acquisition of shares is approved by a majority of the disinterested members of such corporation&#8217;s board of directors before the 10% shareholder&#8217;s share acquisition date. This statute further provides that at no time (even after the two-year period subsequent to such share acquisition date) may the 10% shareholder engage in a business combination with the relevant corporation unless certain approvals of the board of directors or disinterested shareholders are obtained or unless the consideration given in the combination meets certain minimum standards set forth in the statute. The law is very broad in its scope and is designed to inhibit unfriendly acquisitions, but it does not apply to corporations whose articles of incorporation contain a provision electing not to be covered by the law. Our Articles of Incorporation do not contain such a provision, though our Articles of Incorporation could be amended to include such a provision.</FONT></P>
<P style="TEXT-ALIGN: justify"><B><I><FONT size=2 face=Arial>Advance Notice Requirements for Shareholder Proposals and Director Nominations</FONT></I></B></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Our Bylaws establish advance notice procedures with regard to shareholder proposals. Our Bylaws generally provide that, in connection with an annual meeting of shareholders, a shareholder generally must submit notice of such shareholder&#8217;s proposal not less than 30 or more than 60 says in advance of the annual meeting. In connection with any such notice, a shareholder must provide certain information, including: (i) a description of the business desired to be brought before the annual meeting (including the specific proposal(s) to be presented) and the reasons for conducting such business at the annual meeting; (ii) the name and record address of the shareholder proposing such business; (iii) the class and number of shares of the Company that are owned of record, and the class and number of shares of the Company that are held beneficially, but not held of record, by the shareholder as of the record date for the meeting, if such date has been made publicly available, or as of a date within ten days of the effective date of the notice by the shareholder if the record date has not been made publicly available; and (iv) any interest of the shareholder in such business. We may reject a shareholder proposal that is not made in accordance with the procedures set forth in our Bylaws. These provisions could reduce the likelihood that a third party would propose business to be brought before an annual meeting.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Our Bylaws also establish advance notice procedures with regard to shareholder director nominations. Our Bylaws provide that shareholder director nominations must be made in writing to the secretary of the Company no later than (i) with respect to an election to be held at an annual meeting of shareholders, 90 days in advance of such meeting; and (ii) with respect to an election to be held at a special meeting of shareholders for the election of directors, the close of business on the seventh day following the date on which notice of such meeting is first given to shareholders. Each such notice must set forth: (i) the name and address of the shareholder who intends to make the nomination and of the person or persons to be nominated; (ii) a representation that the shareholder is a holder of record of stock of the Company entitled to vote at such meeting and intends to appear in person or by proxy at the meeting to nominate the person or persons specified in the notice; (iii) a description of all arrangements or understandings between the shareholder and each nominee and any other person or persons (naming such person or persons) pursuant to which the nomination or nominations are to be made by the shareholder; (iv) such other information regarding each nominee proposed by such shareholder as would be required to be included in a proxy statement filed pursuant to the proxy rules of the Securities and Exchange Commission, had the nominee been nominated, or intended to be nominated, by the board of directors; and (v) the consent of each nominee to serve as a director of the Company if so elected. We may reject a shareholder director nomination that is not made in accordance with the procedures set forth in our Bylaws. These provisions could reduce the likelihood that a third party would nominate and elect individuals to serve on our board of directors.</FONT></P>
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<TYPE>EX-21
<SEQUENCE>3
<FILENAME>sfb35772717-ex21.htm
<DESCRIPTION>SUBSIDIARIES
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<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>Exhibit 21</FONT></B></P>
<P style="TEXT-ALIGN: center"><B><FONT size=2 face=Arial>Subsidiaries</FONT></B></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Southern First Bank<BR></FONT><FONT size=2 face=Arial>Greenville Statutory Trust I and II</FONT></P>
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<TYPE>EX-23
<SEQUENCE>4
<FILENAME>sfb35772717-ex23.htm
<DESCRIPTION>CONSENT OF INDEPENDENT PUBLIC ACCOUNTANTS
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<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>Exhibit 23</FONT></B></P>
<P style="TEXT-ALIGN: center"><B><FONT size=2 face=Arial>CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM</FONT></B></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>We consent to incorporation by reference in Registration Statement No. 333-213188, 333-133379, 333-168779 and 333-181198 on Form S-8 and Registration Statement No. 333-235465 on Form S-4/A of Southern First Bancshares, Inc. and Subsidiary of our reports dated March 2, 2020, relating to our audits of the consolidated financial statements and the effectiveness of internal control over financial reporting of Southern First Bancshares, Inc. and Subsidiary appearing in the Annual Report to Shareholders, which is incorporated in this Annual Report on Form 10-K of Southern First Bancshares, Inc. and Subsidiary for the year ended December 31, 2019.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>/s/ Elliott Davis, LLC</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Greenville, South Carolina<BR>March 2, 2020</FONT></P>
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<TYPE>EX-31.1
<SEQUENCE>5
<FILENAME>sfb35772717-ex311.htm
<DESCRIPTION>RULE 13A-14(A) CERTIFICATION OF THE PRINCIPAL EXECUTIVE OFFICER
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<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>Exhibit 31.1</FONT></B></P>

<P style="TEXT-ALIGN: center"><B><FONT size=2 face=Arial>Rule 13a-14(a) Certification of the Chief Executive Officer</FONT></B></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>I, R. Arthur Seaver, Jr., chief executive officer, certify that:</FONT></P>

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   <TD vAlign=top width="1%"><FONT size=2 face=Arial>1.</FONT></TD>

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   <P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>I have reviewed this annual report on Form 10-K of Southern First Bancshares, Inc.</FONT></P></TD></TR>

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   <P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Based on my knowledge, this annual 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;</FONT></P></TD></TR>

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   <P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>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;</FONT></P></TD></TR>

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   <TD vAlign=top width="1%">&nbsp;</TD>

   <TD vAlign=top width="1%"></TD>

   <TD width="1%"></TD>

   <TD width="96%"></TD></TR>

<TR>

   <TD vAlign=top width="1%"></TD>

   <TD vAlign=top width="1%"><FONT size=2 face=Arial>4.</FONT></TD>

   <TD width="1%"></TD>

   <TD width="96%">



   <P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The registrant&#8217;s other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:</FONT></P></TD></TR>

<TR>

   <TD vAlign=top width="1%">&nbsp;</TD>

   <TD vAlign=top width="1%"></TD>

   <TD width="1%">&nbsp;&nbsp;&nbsp;&nbsp; </TD>

   <TD width="96%"></TD></TR>

<TR>

   <TD vAlign=top width="1%"></TD>

   <TD vAlign=top width="1%"></TD>

   <TD width="1%"></TD>

   <TD width="96%">



   <P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>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;</FONT></P></TD></TR>

<TR>

   <TD vAlign=top width="1%">&nbsp;</TD>

   <TD vAlign=top width="1%"></TD>

   <TD width="1%"></TD>

   <TD width="96%"></TD></TR>

<TR>

   <TD vAlign=top width="1%"></TD>

   <TD vAlign=top width="1%"></TD>

   <TD width="1%"></TD>

   <TD width="96%">



   <P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>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;</FONT></P></TD></TR>

<TR>

   <TD vAlign=top width="1%">&nbsp;</TD>

   <TD vAlign=top width="1%"></TD>

   <TD width="1%"></TD>

   <TD width="96%"></TD></TR>

<TR>

   <TD vAlign=top width="1%"></TD>

   <TD vAlign=top width="1%"></TD>

   <TD width="1%"></TD>

   <TD width="96%">



   <P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>c) Evaluated the effectiveness of the registrant&#8217;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</FONT></P></TD></TR>

<TR>

   <TD vAlign=top width="1%">&nbsp;</TD>

   <TD vAlign=top width="1%"></TD>

   <TD width="1%"></TD>

   <TD width="96%"></TD></TR>

<TR>

   <TD vAlign=top width="1%"></TD>

   <TD vAlign=top width="1%"></TD>

   <TD width="1%"></TD>

   <TD width="96%">



   <P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>d) Disclosed in this report any change in the registrant&#8217;s internal control over financial reporting that occurred during the registrant&#8217;s most recent fiscal quarter (the registrant&#8217;s fourth fiscal quarter in the case of this annual report) that has materially affected, or is reasonably likely to materially affect, the registrant&#8217;s internal control over financial reporting; and</FONT></P></TD></TR>

<TR>

   <TD vAlign=top width="1%">&nbsp;</TD>

   <TD vAlign=top width="1%"></TD>

   <TD width="1%"></TD>

   <TD width="96%"></TD></TR>

<TR>

   <TD vAlign=top width="1%"></TD>

   <TD vAlign=top width="1%"><FONT size=2 face=Arial>5.</FONT></TD>

   <TD width="1%"></TD>

   <TD width="96%">



   <P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The registrant&#8217;s other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant&#8217;s auditors and the audit committee of the registrant&#8217;s board of directors (or persons performing the equivalent functions):</FONT></P></TD></TR>

<TR>

   <TD vAlign=top width="1%">&nbsp;</TD>

   <TD vAlign=top width="1%"></TD>

   <TD width="1%"></TD>

   <TD width="96%"></TD></TR>

<TR>

   <TD vAlign=top width="1%">&nbsp;</TD>

   <TD vAlign=top width="1%"></TD>

   <TD width="1%"></TD>

   <TD width="96%">



   <P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>a) All significant deficiencies and material weaknesses in the design or operation of internal controls over financial reporting which are reasonably likely to adversely affect the registrant's ability to record, process, summarize and report financial information; and</FONT></P></TD></TR>

<TR>

   <TD vAlign=top width="1%">&nbsp;</TD>

   <TD vAlign=top width="1%"></TD>

   <TD width="1%"></TD>

   <TD width="96%"></TD></TR>

<TR>

   <TD vAlign=top width="1%">&nbsp;</TD>

   <TD vAlign=top width="1%"></TD>

   <TD width="1%"></TD>

   <TD width="96%">



   <P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>b) Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant&#8217;s internal control over financial reporting.</FONT></P></TD></TR></TABLE></DIV><BR>

<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom>

   <TD width="49%" noWrap align=left><FONT size=2 face=Arial>Date: March 2, 2020</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>By:&nbsp; </FONT></TD>

   <TD STYLE="border-bottom: #000000 1pt solid; width: 50%; white-space: nowrap; text-align: left; padding-left: 4pt"><FONT size=2 face=Arial>/s/R. Arthur Seaver, Jr.</FONT></TD></TR>

<TR vAlign=bottom>

   <TD width="49%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD STYLE="width: 50%; white-space: nowrap; text-align: left; padding-left: 4pt"><FONT size=2 face=Arial>R. Arthur Seaver, Jr.</FONT></TD></TR>

<TR vAlign=bottom>

   <TD width="49%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD STYLE="width: 50%; white-space: nowrap; text-align: left; padding-left: 4pt"><FONT size=2 face=Arial>Chief Executive Officer</FONT></TD></TR>

<TR vAlign=bottom>

   <TD width="49%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD STYLE="width: 50%; white-space: nowrap; text-align: left; padding-left: 4pt"><FONT size=2 face=Arial>(principal executive officer)</FONT></TD></TR></TABLE>

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<DOCUMENT>
<TYPE>EX-31.2
<SEQUENCE>6
<FILENAME>sfb35772717-ex312.htm
<DESCRIPTION>RULE 13A-14(A) CERTIFICATION OF THE PRINCIPAL FINANCIAL OFFICER
<TEXT>

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<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>Exhibit 31.2</FONT></B></P>

<P style="TEXT-ALIGN: center"><B><FONT size=2 face=Arial>Rule 13a-14(a) Certification of the Principal Financial Officer</FONT></B></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>I, Michael D. Dowling, principal financial officer, certify that:</FONT></P>

<TABLE style="WIDTH: 100%; LINE-HEIGHT: NORMAL; FONT-SIZE: 8PT" cellSpacing=0 cellPadding=0 border=0>



<TR>

   <TD vAlign=top width="1%">&nbsp;&nbsp;&nbsp;&nbsp; </TD>

   <TD vAlign=top width="1%"><FONT size=2 face=Arial>1.</FONT></TD>

   <TD width="1%">&nbsp;&nbsp;&nbsp;&nbsp; </TD>

   <TD width="96%">



   <P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>I have reviewed this annual report on Form 10-K of Southern First Bancshares, Inc.</FONT></P></TD></TR>

<TR>

   <TD vAlign=top width="1%">&nbsp;</TD>

   <TD vAlign=top width="1%"></TD>

   <TD width="1%"></TD>

   <TD width="96%"></TD></TR>

<TR>

   <TD vAlign=top width="1%"></TD>

   <TD vAlign=top width="1%"><FONT size=2 face=Arial>2.</FONT></TD>

   <TD width="1%"></TD>

   <TD width="96%">



   <P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Based on my knowledge, this annual 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;</FONT></P></TD></TR>

<TR>

   <TD vAlign=top width="1%">&nbsp;</TD>

   <TD vAlign=top width="1%"></TD>

   <TD width="1%"></TD>

   <TD width="96%"></TD></TR>

<TR>

   <TD vAlign=top width="1%"></TD>

   <TD vAlign=top width="1%"><FONT size=2 face=Arial>3.</FONT></TD>

   <TD width="1%"></TD>

   <TD width="96%">



   <P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>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;</FONT></P></TD></TR>

<TR>

   <TD vAlign=top width="1%">&nbsp;</TD>

   <TD vAlign=top width="1%"></TD>

   <TD width="1%"></TD>

   <TD width="96%"></TD></TR>

<TR>

   <TD vAlign=top width="1%"></TD>

   <TD vAlign=top width="1%"><FONT size=2 face=Arial>4.</FONT></TD>

   <TD width="1%"></TD>

   <TD width="96%">



   <P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The registrant&#8217;s other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:</FONT></P></TD></TR>

<TR>

   <TD vAlign=top width="1%">&nbsp;</TD>

   <TD vAlign=top width="1%"></TD>

   <TD width="1%">&nbsp;&nbsp;&nbsp;&nbsp; </TD>

   <TD width="96%"></TD></TR>

<TR>

   <TD vAlign=top width="1%"></TD>

   <TD vAlign=top width="1%"></TD>

   <TD width="1%"></TD>

   <TD width="96%">



   <P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>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;</FONT></P></TD></TR>

<TR>

   <TD vAlign=top width="1%">&nbsp;</TD>

   <TD vAlign=top width="1%"></TD>

   <TD width="1%"></TD>

   <TD width="96%"></TD></TR>

<TR>

   <TD vAlign=top width="1%"></TD>

   <TD vAlign=top width="1%"></TD>

   <TD width="1%"></TD>

   <TD width="96%">



   <P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>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;</FONT></P></TD></TR>

<TR>

   <TD vAlign=top width="1%">&nbsp;</TD>

   <TD vAlign=top width="1%"></TD>

   <TD width="1%"></TD>

   <TD width="96%"></TD></TR>

<TR>

   <TD vAlign=top width="1%"></TD>

   <TD vAlign=top width="1%"></TD>

   <TD width="1%"></TD>

   <TD width="96%">



   <P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>c) Evaluated the effectiveness of the registrant&#8217;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</FONT></P></TD></TR>

<TR>

   <TD vAlign=top width="1%">&nbsp;</TD>

   <TD vAlign=top width="1%"></TD>

   <TD width="1%"></TD>

   <TD width="96%"></TD></TR>

<TR>

   <TD vAlign=top width="1%"></TD>

   <TD vAlign=top width="1%"></TD>

   <TD width="1%"></TD>

   <TD width="96%">



   <P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>d) Disclosed in this report any change in the registrant&#8217;s internal control over financial reporting that occurred during the registrant&#8217;s most recent fiscal quarter (the registrant&#8217;s fourth fiscal quarter in the case of this annual report) that has materially affected, or is reasonably likely to materially affect, the registrant&#8217;s internal control over financial reporting; and</FONT></P></TD></TR>

<TR>

   <TD vAlign=top width="1%">&nbsp;</TD>

   <TD vAlign=top width="1%"></TD>

   <TD width="1%"></TD>

   <TD width="96%"></TD></TR>

<TR>

   <TD vAlign=top width="1%"></TD>

   <TD vAlign=top width="1%"><FONT size=2 face=Arial>5.</FONT></TD>

   <TD width="1%"></TD>

   <TD width="96%">



   <P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The registrant&#8217;s other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant&#8217;s auditors and the audit committee of the registrant&#8217;s board of directors (or persons performing the equivalent functions):</FONT></P></TD></TR>

<TR>

   <TD vAlign=top width="1%">&nbsp;</TD>

   <TD vAlign=top width="1%"></TD>

   <TD width="1%"></TD>

   <TD width="96%"></TD></TR>

<TR>

   <TD vAlign=top width="1%">&nbsp;</TD>

   <TD vAlign=top width="1%"></TD>

   <TD width="1%"></TD>

   <TD width="96%">



   <P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>a) All significant deficiencies and material weaknesses in the design or operation of internal controls over financial reporting which are reasonably likely to adversely affect the registrant's ability to record, process, summarize and report financial information; and</FONT></P></TD></TR>

<TR>

   <TD vAlign=top width="1%">&nbsp;</TD>

   <TD vAlign=top width="1%"></TD>

   <TD width="1%"></TD>

   <TD width="96%"></TD></TR>

<TR>

   <TD vAlign=top width="1%">&nbsp;</TD>

   <TD vAlign=top width="1%"></TD>

   <TD width="1%"></TD>

   <TD width="96%">



   <P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>b) Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant&#8217;s internal control over financial reporting.</FONT></P></TD></TR></TABLE>
<BR>

   <TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom>

   <TD width="49%" noWrap align=left><FONT size=2 face=Arial>Date: March 2, 2020</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>By:&nbsp; </FONT></TD>

   <TD STYLE="border-bottom: #000000 1pt solid; width: 50%; white-space: nowrap; text-align: left; padding-left: 4pt"><FONT size=2 face=Arial>/s/Michael D. Dowling</FONT></TD></TR>

<TR vAlign=bottom>

   <TD width="49%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD STYLE="width: 50%; white-space: nowrap; text-align: left; padding-left: 4pt"><FONT size=2 face=Arial>Michael D. Dowling</FONT></TD></TR>

<TR vAlign=bottom>

   <TD width="49%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD STYLE="width: 50%; white-space: nowrap; text-align: left; padding-left: 4pt"><FONT size=2 face=Arial>Chief Financial Officer</FONT></TD></TR>

<TR vAlign=bottom>

   <TD width="49%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD STYLE="width: 50%; white-space: nowrap; text-align: left; padding-left: 4pt"><FONT size=2 face=Arial>(principal financial officer)</FONT></TD></TR></TABLE>


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<DOCUMENT>
<TYPE>EX-32
<SEQUENCE>7
<FILENAME>sfb35772717-ex32.htm
<DESCRIPTION>SECTION 1350 CERTIFICATIONS
<TEXT>

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<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>Exhibit 32</FONT></B></P>

<P style="TEXT-ALIGN: center"><B><FONT size=2 face=Arial>CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350,<BR>AS ADOPTED PURSUANT TO<BR></FONT></B><B><FONT size=2 face=Arial>SECTION 906 OF THE SARBANES-OXLEY ACT OF 2003</FONT></B></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The undersigned, the Chief Executive Officer and the Principal Financial Officer of Southern First Bancshares, Inc. (the &#8220;company&#8221;), each certify that, to his knowledge on the date of this certification:</FONT></P>

<TABLE style="LINE-HEIGHT: NORMAL; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom>

   <TD width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; vertical-align: top"><FONT size=2 face=Arial>1.</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD STYLE="width: 97%; text-align: justify"><FONT size=2 face=Arial>The annual report of the company for the period ended December 31, 2019 as filed with the Securities and Exchange Commission on this date (the &#8220;Report&#8221;) fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934; and</FONT></TD></TR>

<TR vAlign=bottom>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>&nbsp;</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; vertical-align: top"><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD STYLE="width: 97%; text-align: justify"><FONT size=2 face=Arial></FONT></TD></TR>

<TR vAlign=bottom>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; vertical-align: top"><FONT size=2 face=Arial>2.</FONT></TD>

   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp; </TD>

   <TD STYLE="width: 97%; text-align: justify"><FONT size=2 face=Arial>The information contained in the Report fairly presents, in all material respects, the financial condition and result of operations of the company.</FONT></TD></TR></TABLE><BR>

<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom>

   <TD width="49%" noWrap align=left><FONT size=2 face=Arial>Date: March 2, 2020</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>By:&nbsp; </FONT></TD>

   <TD STYLE="border-bottom: #000000 1pt solid; width: 50%; white-space: nowrap; text-align: left; padding-left: 4pt"><FONT size=2 face=Arial>/s/R. Arthur Seaver, Jr.</FONT></TD></TR>

<TR vAlign=bottom>

   <TD width="49%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD STYLE="width: 50%; white-space: nowrap; text-align: left; padding-left: 4pt"><FONT size=2 face=Arial>R. Arthur Seaver, Jr.</FONT></TD></TR>

<TR vAlign=bottom>

   <TD width="49%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD STYLE="width: 50%; white-space: nowrap; text-align: left; padding-left: 4pt"><FONT size=2 face=Arial>Chief Executive Officer</FONT></TD></TR>

<TR>

   <TD width="100%" colSpan=3>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD width="49%" noWrap align=left><FONT size=2 face=Arial>Date: March 2, 2020</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>By:&nbsp; </FONT></TD>

   <TD STYLE="border-bottom: #000000 1pt solid; width: 50%; white-space: nowrap; text-align: left; padding-left: 4pt"><FONT size=2 face=Arial>/s/Michael D. Dowling</FONT></TD></TR>

<TR vAlign=bottom>

   <TD width="49%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD STYLE="width: 50%; white-space: nowrap; text-align: left; padding-left: 4pt"><FONT size=2 face=Arial>Michael D. Dowling</FONT></TD></TR>

<TR vAlign=bottom>

   <TD width="49%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD STYLE="width: 50%; white-space: nowrap; text-align: left; padding-left: 4pt"><FONT size=2 face=Arial>Chief Financial Officer,</FONT></TD></TR>

<TR vAlign=bottom>

   <TD width="49%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD STYLE="width: 50%; white-space: nowrap; text-align: left; padding-left: 4pt"><FONT size=2 face=Arial>Principal Financial Officer</FONT></TD></TR></TABLE><BR>

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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.INS
<SEQUENCE>8
<FILENAME>sfst-20191231.xml
<DESCRIPTION>XBRL INSTANCE DOCUMENT
<TEXT>
<XBRL>
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    <us-gaap:SignificantAccountingPoliciesTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;NOTE 1 &amp;#8211; Summary of Significant Accounting Policies and Activities&lt;/font&gt;&lt;/b&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;b&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;Southern First Bancshares, Inc. &lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;font style="font: x-small Arial"&gt;(the "Company") is a South Carolina corporation that owns all of the capital stock of Southern First Bank (the "Bank") and all of the stock of Greenville First Statutory Trust I and II (collectively, the "Trusts"). The Trusts are special purpose non-consolidated entities organized for the sole purpose of issuing trust preferred securities. The Bank's primary federal regulator is the Federal Deposit Insurance Corporation (the "FDIC"). The Bank is also regulated and examined by the South Carolina Board of Financial Institutions. The Bank is primarily engaged in the business of accepting demand deposits and savings deposits insured by the FDIC, and providing commercial, consumer and mortgage loans to the general public.&lt;/font&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;Basis of Presentation&lt;/font&gt;&lt;/i&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The accompanying consolidated financial statements include the accounts of the Company and its wholly owned subsidiary, Southern First Bank. In consolidation, all significant intercompany transactions have been eliminated. The accounting and reporting policies conform to accounting principles generally accepted in the United States of America. In accordance with guidance issued by the Financial Accounting Standards Board (&amp;#8220;FASB&amp;#8221;), the operations of the Trusts have not been consolidated in these financial statements.&lt;/font&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;Business Segments&lt;/font&gt;&lt;/i&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;ASC Topic 280-10, &amp;#8220;Segment Reporting,&amp;#8221; requires selected segment information of operating segments based on a management approach. The Company&amp;#8217;s three reportable segments represent the distinct product lines the Company offers and are viewed separately for strategic planning by management. Please refer to &amp;#8220;Note 24 &amp;#8211; Reportable Segments&amp;#8221; for further information on the reporting for the Company&amp;#8217;s three business segments.&lt;/font&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;Use of Estimates&lt;/font&gt;&lt;/i&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The preparation of consolidated financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities as of the date of the consolidated financial statements and the reported amount of income and expenses during the reporting periods. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for loan losses, derivatives, real estate acquired in settlement of loans, fair value of financial instruments, evaluating other-than-temporary-impairment of investment securities and valuation of deferred tax assets.&lt;/font&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;Risks and Uncertainties&lt;/font&gt;&lt;/i&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;In the normal course of its business, the Company encounters two significant types of risks: economic and regulatory. There are three main components of economic risk: interest rate risk, credit risk and market risk. The Company is subject to interest rate risk to the degree that its interest-bearing liabilities mature or reprice at different speeds, or on different bases, than its interest-earning assets. Credit risk is the risk of default within the Company&amp;#8217;s loan portfolio that results from borrowers&amp;#8217; inability or unwillingness to make contractually required payments. Market risk reflects changes in the value of collateral underlying loans receivable and the valuation of real estate held by the Company.&lt;/font&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The Company is subject to the regulations of various governmental agencies. These regulations can and do change significantly from period to period. The Company also undergoes periodic examinations by the regulatory agencies, which may subject it to changes with respect to valuation of assets, amount of required loan loss allowance and operating restrictions resulting from the regulators&amp;#8217; judgments based on information available to them at the time of their examinations.&lt;/font&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The Bank makes loans to individuals and businesses in the Upstate, Midlands, and Lowcountry regions of South Carolina as well as the Triangle and Triad regions of North Carolina and Atlanta, Georgia for various personal and commercial purposes. The Bank&amp;#8217;s loan portfolio has a concentration of real estate loans. As of December 31, 2019 and 2018, real estate loans represented 82.8% and 82.3%, respectively, of total loans. However, borrowers&amp;#8217; ability to repay their loans is not dependent upon any specific economic sector.&lt;/font&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;Subsequent Events&lt;/font&gt;&lt;/i&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;Subsequent events are events or transactions&#13;that occur after the balance sheet date but before financial statements are issued. Recognized subsequent events are events or&#13;transactions that provide additional evidence about conditions that existed at the date of the balance sheet, including the estimates&#13;inherent in the process of preparing financial statements. Non-recognized subsequent events are events that provide evidence about&#13;conditions that did not exist at the date of the balance sheet but arose after that date. Management performed an evaluation to&#13;determine whether there have been any subsequent events since the balance sheet date and determined that no subsequent events&#13;occurred requiring accrual or disclosure.&lt;/font&gt;&lt;/p&gt;&#13;&#13; &#13;&lt;p style="text-align: justify"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;Reclassifications&lt;/font&gt;&lt;/i&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;Certain amounts, previously reported, have been reclassified to state all periods on a comparable basis and had no effect on shareholders&amp;#8217; equity or net income.&lt;/font&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;Cash and Cash Equivalents&lt;/font&gt;&lt;/i&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;Cash and cash equivalents include cash and due from banks, interest bearing deposits and federal funds sold. Cash and cash equivalents have original maturities of three months or less, and federal funds sold are generally purchased and sold for one-day periods. Accordingly, the carrying value of these instruments is deemed to be a reasonable estimate of fair value. At December 31, 2019 and 2018, included in cash and cash equivalents was $6.0 million and $4.9 million, respectively, on deposit with the Federal Reserve Bank.&lt;/font&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;Investment Securities&lt;/font&gt;&lt;/i&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;We classify our investment securities as held to maturity securities, trading securities and available for sale securities as applicable.&lt;/font&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;Investment securities are designated as held to maturity if we have the intent and the ability to hold the securities to maturity. Held to maturity securities are carried at amortized cost, adjusted for the amortization of any related premiums or the accretion of any related discounts into interest income using a methodology which approximates a level yield of interest over the estimated remaining period until maturity. Unrealized losses on held to maturity securities, reflecting a decline in value judged by us to be other than temporary, are charged to income in the Consolidated Statements of Income.&lt;/font&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;Investment securities that are purchased and held principally for the purpose of selling in the near term are reported as trading securities. Trading securities are carried at fair value with unrealized holding gains and losses included in earnings.&lt;/font&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;We classify investment securities as available for sale when at the time of purchase we determine that such securities may be sold at a future date or if we do not have the intent or ability to hold such securities to maturity. Securities designated as available for sale are recorded at fair value. Changes in the fair value of available for sale debt securities are included in shareholders&amp;#8217; equity as unrealized gains or losses, net of the related tax effect. Unrealized losses on available for sale securities, reflecting a decline in value judged to be other than temporary, are charged to income in the Consolidated Statements of Income. Realized gains or losses on available for sale securities are computed on the specific identification basis.&lt;/font&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;Other Investments&lt;/font&gt;&lt;/i&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The Bank, as a member institution, is required to own a stock investment in the Federal Home Loan Bank of Atlanta (&amp;#8220;FHLB&amp;#8221;). This stock is generally pledged against any borrowings from the FHLB and cash dividends on our FHLB stock are recorded in investment income. No ready market exists for these stocks and they have no quoted market value. However, redemption of this stock has historically been at par value. Other investments also include a $403,000 investment in the Trusts.&lt;/font&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;Loans&lt;/font&gt;&lt;/i&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;Loans are stated at the principal balance&#13;outstanding. Unamortized net loan fees and the allowance for possible loan losses are deducted from total loans on the balance&#13;sheets. Interest income is recognized over the term of the loan based on the principal amount outstanding. The net of loan origination&#13;fees received and direct costs incurred in the origination of loans is deferred and amortized to interest income over the contractual&#13;life of the loans adjusted for actual principal prepayments using a method approximating the interest method.&lt;/font&gt;&lt;/p&gt;&#13;&#13; &#13;&lt;p style="text-align: justify"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;Nonaccrual and Past Due Loans&lt;/font&gt;&lt;/i&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;Loans are generally placed on nonaccrual status when principal or interest becomes 90 days past due, or when payment in full is not anticipated. When a loan is placed on nonaccrual status, interest accrued but not received is generally reversed against interest income. Cash receipts on nonaccrual loans are not recorded as interest income, but are used to reduce the loan&amp;#8217;s principal balance. A nonaccrual loan is generally returned to accrual status and accrual of interest is resumed when payments have been made according to the terms and conditions of the loan for a continuous six month period. Our loans are considered past due when contractually required principal or interest payments have not been made on the due dates.&lt;/font&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;Nonperforming Assets&lt;/font&gt;&lt;/i&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;Nonperforming assets include real estate acquired through foreclosure or deed taken in lieu of foreclosure, loans on nonaccrual status and loans past due 90 days or more and still accruing interest. Loans are placed on nonaccrual status when, in the opinion of management, the collection of additional interest is uncertain. Thereafter no interest is taken into income until such time as the borrower demonstrates the ability to pay both principal and interest.&lt;/font&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;Impaired Loans&lt;/font&gt;&lt;/i&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;Our impaired loans include loans on nonaccrual status and loans modified in a troubled debt restructuring (&amp;#8220;TDR&amp;#8221;), whether on accrual or nonaccrual status. For loans that are classified as impaired, an allowance is established when the fair value (discounted cash flows, collateral value, or observable market price) of the impaired loan less costs to sell, are lower than the carrying value of that loan. A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due, among other factors. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including, without limitation, the length of the delay, the reasons for the delay, the borrower's prior payment record, and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan by loan basis for commercial and consumer loans by either the present value of expected future cash flows discounted at the loan's effective interest rate, the loan's obtainable market price, or the fair value of the collateral if the loan is collateral dependent.&lt;/font&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;Loan Charge-off Policy&lt;/font&gt;&lt;/i&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;For commercial loans, we generally fully charge off or charge collateralized loans down to net realizable value when management determines the loan to be uncollectible; repayment is deemed to be projected beyond reasonable time frames; the loan has been classified as a loss by either our internal loan review process or our banking regulatory agencies; the client has filed bankruptcy and the loss becomes evident owing to a lack of assets; or the loan is 120 days past due unless both well-secured and in the process of collection. For consumer loans, we generally charge down to net realizable value when the loan is 180 days past due.&lt;/font&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;Troubled Debt Restructuring (TDRs)&lt;/font&gt;&lt;/i&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The Company considers a loan to be a TDR when the debtor experiences financial difficulties and the Company provides concessions such that we will not collect all principal and interest in accordance with the original terms of the loan agreement. Concessions can relate to the contractual interest rate, maturity date, or payment structure of the note. As part of our workout plan for individual loan relationships, we may restructure loan terms to assist borrowers facing challenges in the current economic environment.&lt;/font&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;Our policy with respect to accrual of interest&#13;on loans restructured in a TDR follows relevant supervisory guidance. That is, if a borrower has demonstrated performance under&#13;the previous loan terms and shows capacity to perform under the restructured loan terms; continued accrual of interest at the&#13;restructured interest rate is likely. If a borrower was materially delinquent on payments prior to the restructuring, but shows&#13;capacity to meet the restructured loan terms, the loan will likely continue as nonaccrual going forward. Lastly, if the borrower&#13;does not perform under the restructured terms, the loan is placed on nonaccrual status. We will continue to closely monitor these&#13;loans and will cease accruing interest on them if management believes that the borrowers may not continue performing based on&#13;the restructured note terms. If, after previously being classified as a TDR, a loan is restructured a second time and the borrower&#13;continues to experience financial difficulties, then that loan is automatically placed on nonaccrual status. Our policy with respect&#13;to nonperforming loans requires the borrower to make a minimum of six consecutive payments of principal and interest in accordance&#13;with the loan terms before that loan can be placed back on accrual status. Further, the borrower must show capacity to continue&#13;performing into the future prior to restoration of accrual status. In addition, our policy, in accordance with supervisory guidance,&#13;also provides for a loan to be removed from TDR status if the loan is modified or renewed at terms consistent with current market&#13;rates and the loan has been performing under modified terms for an extended period of time or under certain circumstances.&lt;/font&gt;&lt;/p&gt;&#13;&#13; &#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;In the determination of the allowance for loan losses, management considers TDRs on commercial and consumer loans and subsequent defaults in these restructurings by measuring impairment, on a loan by loan basis, based on either the present value of expected future cash flows discounted at the loan's effective interest rate, the loan's obtainable market price, or the fair value of the collateral, less costs to sell, if the loan is collateral dependent.&lt;/font&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;Allowance for Loan Losses&lt;/font&gt;&lt;/i&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The allowance for loan losses is management&amp;#8217;s estimate of credit losses inherent in the loan portfolio. The allowance for loan losses is established as losses are estimated to have occurred through a provision for loan losses charged to earnings. Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. The allowance for loan losses is evaluated on a regular basis by management and is based upon management&amp;#8217;s periodic review of the collectability of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower&amp;#8217;s ability to repay, the estimated value of any underlying collateral and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available.&lt;/font&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;We have an established process to determine the adequacy of the allowance for loan losses that assesses the losses inherent in our portfolio. While we attribute portions of the allowance to specific portfolio segments, the entire allowance is available to absorb credit losses inherent in the total loan portfolio. Our process involves procedures to appropriately consider the unique risk characteristics of our commercial and consumer loan portfolio segments. For each portfolio segment, impairment is measured individually for each impaired loan. Our allowance levels are influenced by loan volume, loan grade or delinquency status, historic loss experience and other economic conditions. See Note 4 to the Consolidated Financial Statements for additional information on the allowance for loan losses.&lt;/font&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;Other Real Estate Owned&lt;/font&gt;&lt;/i&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;Real estate acquired through foreclosure is initially recorded at the lower of cost or estimated fair value less selling costs. Subsequent to the date of acquisition, it is carried at the lower of cost or fair value, adjusted for net selling costs. Fair values of real estate owned are reviewed regularly and write-downs are recorded when it is determined that the carrying value of real estate exceeds the fair value less estimated costs to sell. Costs relating to the development and improvement of such property are capitalized, whereas those costs relating to holding the property are expensed.&lt;/font&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;Property and Equipment&lt;/font&gt;&lt;/i&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;Property and equipment are stated at cost. Major repairs are charged to operations, while major improvements are capitalized. Depreciation is computed using the straight-line method over the estimated useful lives of the related assets. Upon retirement, sale, or other disposition of property and equipment, the cost and accumulated depreciation are eliminated from the accounts, and gain or loss is included in income from operations.&lt;/font&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;Construction in progress is stated at cost, which includes the cost of construction and other direct costs attributable to the construction. No provision for depreciation is made on construction in progress until such time as the relevant assets are completed and put into use.&lt;/font&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;Bank Owned Life Insurance Policies&lt;/font&gt;&lt;/i&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;Bank owned life insurance policies represent the cash value of policies on certain officers of the Company.&lt;/font&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;Comprehensive Income&lt;/font&gt;&lt;/i&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;Comprehensive income (loss) consists of net&#13;income and net unrealized gains (losses) on securities and is presented in the statements of shareholders&amp;#8217; equity and comprehensive&#13;income. The statement requires only additional disclosures in the consolidated financial statements; it does not affect our results&#13;of operations.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;Revenue from Contracts with Customers&lt;/font&gt;&lt;/i&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The Company records revenue from contracts with customers in accordance with Accounting Standards Codification Topic 606, &amp;#8220;Revenue from Contracts with Customers&amp;#8221; (&amp;#8220;Topic 606&amp;#8221;). Under Topic 606, the Company must identify the contract with a customer, identify the performance obligations in the contract, determine the transaction price, allocate the transaction price to the performance obligations in the contract, and recognize revenue when (or as) the Company satisfies a performance obligation. Significant revenue has not been recognized in the current reporting period that results from performance obligations satisfied in previous periods.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The Company&amp;#8217;s primary sources of revenue are derived from interest and dividends earned on loans, investment securities, and other financial instruments that are not within the scope of Topic 606. The Company has evaluated the nature of its contracts with customers and determined that further disaggregation of revenue from contracts with customers into more granular categories beyond what is presented in the Consolidated Statements of Income was not necessary. The Company generally fully satisfies its performance obligations on its contracts with customers as services are rendered and the transaction prices are typically fixed; charged either on a periodic basis or based on activity. Our accounting policies did not change materially since the principles of revenue recognition from Topic 606 are largely consistent with existing guidance and current practices applied by our business. The following is a discussion of revenues within the scope of the guidance:&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="width: 100%; font: 10pt Arial; border-collapse: collapse; text-align: justify"&gt;&#13;&#13;&#13;&#13;&lt;tr&gt;&#13;&#13;   &lt;td style="padding-left: 15pt; padding-right: 8pt; vertical-align: top; width: 1%"&gt;&lt;font style="font-size: 9.5pt"&gt;&amp;#9679;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="vertical-align: top; width: 99%"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;Service fees on deposit accounts &lt;/font&gt;&lt;/i&gt;&lt;font style="font: x-small Arial"&gt;- The Company earns fees from its deposit clients for various transaction-based, account maintenance, and overdraft or non-sufficient funds (&amp;#8220;NSF&amp;#8221;) services. Transaction-based fees, which include services such as stop payment charges, statement rendering, and ACH fees, are recognized at the time the transaction is executed as that is the point in time the Company fulfills the client's request. Account maintenance fees, which relate primarily to monthly maintenance and account management, are earned over the course of a month, representing the period over which the Company satisfies the performance obligation. Overdraft and NSF fees are recognized at the point in time that the overdraft occurs or the NSF item is presented. Service charges on deposits are withdrawn from the client's account balance.&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr&gt;&#13;   &lt;td style="padding-left: 15pt; padding-right: 8pt; vertical-align: top"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="vertical-align: top"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&#13;&lt;tr&gt;&#13;&#13;   &lt;td style="padding-left: 15pt; padding-right: 8pt; vertical-align: top; width: 1%"&gt;&lt;font style="font-size: 9.5pt"&gt;&amp;#9679;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="vertical-align: top; width: 99%"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;ATM and debit card income &lt;/font&gt;&lt;/i&gt;&lt;font style="font: x-small Arial"&gt;- The Company earns interchange fees from debit cardholder transactions conducted through the payment networks. Interchange fees from cardholder transactions represent a percentage of the underlying transaction value and are recognized daily, concurrently with the transaction processing services provided to the cardholder.&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;Income Taxes&lt;/font&gt;&lt;/i&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The financial statements have been prepared on the accrual basis. When income and expenses are recognized in different periods for financial reporting purposes versus for the purposes of computing income taxes currently payable, deferred taxes are provided on such temporary differences. Deferred tax assets and liabilities are recognized for the expected future tax consequences of events that have been recognized in the consolidated financial statements or tax returns. Deferred tax assets and liabilities are measured using the enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be realized or settled. The Company believes that its income tax filing positions taken or expected to be taken on its tax returns will more likely than not be sustained upon audit by the taxing authorities and does not anticipate any adjustments that will result in a material adverse impact on the Company&amp;#8217;s financial condition, results of operations, or cash flow. Therefore, no reserves for uncertain income tax positions have been recorded. The Company&amp;#8217;s federal and state income tax returns are open and subject to examination from the 2016 tax return year and forward.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;On December 22, 2017, the Tax Act was signed into law and includes numerous provisions that impact the Company, most notably a reduction in the corporate tax rate from the maximum rate of 35% to a flat rate of 21%. As a result, the Company recorded an incremental income tax expense of $2.4 million in the fourth quarter of 2017.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;Stock-Based Compensation&lt;/font&gt;&lt;/i&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The Company has a stock-based employee compensation&#13;plan. Compensation cost is recognized for all stock options granted and for any outstanding unvested awards as if the fair value&#13;method had been applied to those awards as of the date of grant.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;Adoption of New Accounting Standards&lt;/font&gt;&lt;/i&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;In February 2016, the FASB issued ASU No. 2016-02, &lt;/font&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;&amp;#8220;Leases (Topic 842)&amp;#8221;&lt;/font&gt;&lt;/i&gt;&lt;font style="font: x-small Arial"&gt;. The guidance in the update supersedes the requirements in ASC Topic 840, Leases. The guidance is intended to increase transparency and comparability among organizations by recognizing right-of-use (&amp;#8220;ROU&amp;#8221;) assets and lease liabilities on the balance sheet. For public companies, this update was effective for interim and annual periods beginning after December 15, 2018. The Company adopted this guidance in the first quarter of 2019. Upon adoption, the Company elected a practical expedient which allows existing leases to retain their classification as operating leases. The Company has also elected to not recognize right-of-use assets and lease liabilities arising from short-term leases. Implementation of the guidance resulted in the recording of a right-of-use asset and lease liability on the balance sheet; however it does not have a material impact on the Company's other consolidated financial statements. See additional disclosures in Note 7.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;Newly Issued, But Not yet Effective Accounting Standards&lt;/font&gt;&lt;/i&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;In June 2016, the FASB issued ASU 2016-13, &lt;/font&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;&amp;#8220;Financial Instruments &amp;#8211; Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments&amp;#8221;&lt;/font&gt;&lt;/i&gt;&lt;font style="font: x-small Arial"&gt;. Among other things, ASU 2016-13 requires the measurement of all expected credit losses for financial assets held at the reporting date based on historical experience, current conditions, and reasonable and supportable forecasts. Financial institutions and other organizations will now use forward-looking information to form their credit loss estimates. Many of the loss estimation techniques applied today will still be permitted, although the inputs to those techniques will change to reflect the full amount of expected credit losses. In addition, ASU 2016-13 amends the accounting for credit losses on debt securities and purchased financial assets with credit deterioration. ASU 2016-13 was originally effective for all annual and interim periods beginning after December 31, 2019, with early adoption permitted for fiscal years beginning after December 15, 2018. Adoption will be applied through a cumulative-effect adjustment to retained earnings as of the beginning of the first reporting period in which the guidance is effective. The Company has established a team of individuals from credit, finance and risk management to evaluate the requirements of the new standard and the impact it will have on its processes.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;In November 2019, the FASB issued guidance that addresses issues raised by stakeholders during the implementation of ASU 2016-13, &lt;/font&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;&amp;#8220;Financial Instruments &amp;#8211; Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments&amp;#8221;&lt;/font&gt;&lt;/i&gt;&lt;font style="font: x-small Arial"&gt;. The amendments affect a variety of Topics in the Accounting Standards Codification. For public business entities that meet the definition of a smaller reporting company, such as the Company, the amendments are effective for fiscal years beginning after December 15, 2022 including interim periods within those fiscal years. Early adoption is permitted in any interim period as long as the Company has adopted to amendments in ASU 2016-13. Currently, the Company does not expect to adopt the ASU before the effective period.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;Other accounting standards that have been issued or proposed by the FASB or other standards-setting bodies that do not require adoption until a future date are not expected to have a material impact on the consolidated financial statements upon adoption.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</us-gaap:SignificantAccountingPoliciesTextBlock>
    <us-gaap:RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;NOTE 23 &amp;#8211; Regulatory Matters&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The Bank is subject to various regulatory capital requirements administered by the federal banking agencies. The capital rules require banks and bank holding companies (other than bank holding companies, such as the Company, that qualify under the Federal Reserve&amp;#8217;s Small Bank Holding Company Policy Statement) to maintain a minimum total risked-based capital ratio of at least 8%, a total Tier 1 capital ratio of at least 6%, a minimum common equity Tier 1 capital ratio of at least 4.5%, and a leverage ratio of at least 4%. Bank holding companies and banks are also required to hold a capital conservation buffer of common equity Tier 1 capital of 2.5% to avoid limitations on capital distributions and discretionary executive compensation payments. The capital conservation buffer will be phased in incrementally over time, becoming fully effective on January 1, 2019, and will consist of an additional amount of common equity equal to 2.5% of risk-weighted assets.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;To be considered &amp;#8220;well-capitalized&amp;#8221;&#13;for purposes of certain rules and prompt corrective action requirements, the Bank must maintain a minimum total risked-based capital&#13;ratio of at least 10%, a total Tier 1 capital ratio of at least 8%, a common equity Tier 1 capital ratio of at least 6.5%, and&#13;a leverage ratio of at least 5%. As of December 31, 2019, our capital ratios exceed these ratios and we remain &amp;#8220;well capitalized.&amp;#8221;&lt;/font&gt;&lt;/p&gt;&#13;&#13;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The following table summarizes the capital amounts and ratios of the Bank and the Company and the regulatory minimum requirements at December 31, 2019 and 2018.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse"&gt;&#13;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&#13;   &#13;   &#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 85%; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="4" style="width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;To be well&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 85%; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="4" style="width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;capitalized&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 85%; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="3" style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;For capital&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="4" style="width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;under prompt&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 85%; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="3" style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;adequacy purposes&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="4" style="width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;corrective action&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 85%; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Actual&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="4" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;minimum&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="4" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;provisions minimum&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 85%; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: center"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Amount&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Ratio&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: center"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Amount&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Ratio&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: center"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Amount&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Ratio&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 85%; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;As of December 31, 2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 85%; text-align: left"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;The Bank&lt;/font&gt;&lt;/i&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/i&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 85%; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total Capital (to risk weighted assets)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;250,847&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;13.31%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;150,807&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;8.00%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;188,510&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;10.00%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 85%; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Tier 1 Capital (to risk weighted assets)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;234,205&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;12.42%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;113,106&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;6.00%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;150,807&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;8.00%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 85%; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Common Equity Tier 1 Capital (to risk weighted assets)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;234,205&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;12.42%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;84,829&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4.50%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;122,531&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;6.50%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 85%; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Tier 1 Capital (to average assets)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;234,205&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;10.80%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;86,772&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4.00%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;108,465&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;5.00%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 85%; text-align: left"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;&lt;/font&gt;&lt;/i&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/i&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 85%; text-align: left"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;The Company&lt;/font&gt;&lt;/i&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;&lt;sup&gt;(1)&lt;/sup&gt;&lt;/font&gt;&lt;/i&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/i&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 85%; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total Capital (to risk weighted assets)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;258,800&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;13.73%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;150,807&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;8.00%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;n/a&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;n/a&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 85%; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Tier 1 Capital (to risk weighted assets)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;219,158&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;11.63%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;113,106&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;6.00%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;n/a&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;n/a&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 85%; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Common Equity Tier 1 Capital (to risk weighted assets)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;206,158&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;10.94%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;84,829&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4.50%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;n/a&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;n/a&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 85%; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Tier 1 Capital (to average assets)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;219,158&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;10.10%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;86,772&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4.00%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;n/a&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;n/a&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 85%; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 85%; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="4" style="width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;To be well&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 85%; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="4" style="width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;capitalized&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 85%; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="4" style="width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;For capital&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="4" style="width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;under prompt&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 85%; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="4" style="width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;adequacy purposes&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="4" style="width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;corrective action&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 85%; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Actual&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="4" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;minimum&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="4" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;provisions minimum&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 85%; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: center"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Amount&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Ratio&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: center"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Amount&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Ratio&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: center"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Amount&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Ratio&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 85%; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;As of December 31, 2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 85%; text-align: left"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;The Bank&lt;/font&gt;&lt;/i&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/i&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 85%; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total Capital (to risk weighted assets)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;198,195&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;12.16%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;130,368&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;8.00%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;162,960&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;10.00%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 85%; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Tier 1 Capital (to risk weighted assets)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;182,433&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;11.20%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;97,776&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;6.00%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;130,368&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;8.00%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 85%; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Common Equity Tier 1 Capital (to risk weighted assets)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;182,433&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;11.20%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;73,332&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4.50%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;105,924&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;6.50%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 85%; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Tier 1 Capital (to average assets)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;182,433&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;9.84%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;74,126&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4.00%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;92,658&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;5.00%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 85%; text-align: left"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;&lt;/font&gt;&lt;/i&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/i&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 85%; text-align: left"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;The Company&lt;/font&gt;&lt;/i&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;&lt;sup&gt;(1)&lt;/sup&gt;&lt;/font&gt;&lt;/i&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/i&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 85%; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total Capital (to risk weighted assets)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;203,595&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;12.49%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;130,368&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;8.00%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;n/a&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;n/a&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 85%; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Tier 1 Capital (to risk weighted assets)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;187,833&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;11.53%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;97,776&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;6.00%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;n/a&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;n/a&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 85%; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Common Equity Tier 1 Capital (to risk weighted assets)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;174,833&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;10.73%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;73,332&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4.50%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;n/a&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;n/a&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 85%; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Tier 1 Capital (to average assets)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;187,833&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;10.14%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;74,126&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4.00%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;n/a&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;n/a&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;                                                                                 &#13;   &#13;   &#13;&lt;/table&gt;&#13;&#13;&#13;&#13;&lt;br /&gt;&#13;&lt;div&gt;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="width: 100%"&gt;&#13;&#13;&#13;&#13;&lt;tr&gt;&#13;&#13;   &lt;td style="padding-right: 8pt; width: 1%; vertical-align: top; text-align: left"&gt;&#13;&#13;   &#13;&#13;   &lt;p style="text-align: justify"&gt;&lt;i&gt;&lt;font style="font: xx-small Arial"&gt;(1)&lt;/font&gt;&lt;/i&gt;&lt;/p&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 99%"&gt;&#13;&#13;   &#13;&#13;   &lt;p style="text-align: justify"&gt;&lt;i&gt;&lt;font style="font: xx-small Arial"&gt;Under the Federal Reserve&amp;#8217;s Small Bank Holding Company Policy Statement, the Company is not subject to the minimum capital adequacy and capital conservation buffer capital requirements at the holding company level, unless otherwise advised by the Federal Reserve (such capital requirements are applicable only at the Bank level). Although the minimum regulatory capital requirements are not applicable to the Company, we calculate these ratios for our own planning and monitoring purposes.&lt;/font&gt;&lt;/i&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;/div&gt;</us-gaap:RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock>
    <sfst:DetailOfDepositAccountsTableTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;The following is a detail of the deposit accounts:&lt;/font&gt;&lt;/p&gt; &#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 100%"&gt; &#13; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="border-top: #000000 1.5pt solid; width: 95%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="border-top: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td colspan="4" style="border-top: #000000 1.5pt solid; width: 4%; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="width: 95%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td colspan="4" style="border-bottom: #000000 1pt solid; width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 95%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt; &#13;   &lt;td colspan="2" style="border-bottom: #000000 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt; &#13;   &lt;td style="width: 95%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Noninterest bearing&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;397,331&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;346,570&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="width: 95%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Interest bearing:&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt; &#13;   &lt;td style="width: 95%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;NOW accounts&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;228,680&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;186,795&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="width: 95%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Money market accounts&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;898,923&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;730,765&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt; &#13;   &lt;td style="width: 95%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Savings&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;16,258&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;15,486&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="width: 95%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Time, less than $100,000&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;47,941&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;63,073&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; padding-left: 15pt; width: 95%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Time, $100,000 and over&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;286,991&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;305,447&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="border-bottom: #000000 1.5pt solid; padding-left: 30pt; width: 95%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total deposits&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,876,124&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,648,136&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</sfst:DetailOfDepositAccountsTableTextBlock>
    <sfst:ScheduledMaturitiesOfCertificatesOfDepositTableTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;At December 31, 2019 the scheduled maturities of certificates of deposit are as follows:&lt;/font&gt;&lt;/p&gt; &#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 100%"&gt; &#13; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="border-top: #000000 1.5pt solid; width: 97%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-top: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="border-top: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="border-top: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="border-bottom: Black 1pt solid; width: 97%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt; &#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt; &#13;   &lt;td style="width: 97%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;2020&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;277,342&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="width: 97%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;2021&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;38,528&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt; &#13;   &lt;td style="width: 97%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;2022&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;10,783&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="width: 97%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;2023&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;6,133&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt; &#13;   &lt;td style="border-bottom: Black 1px solid; width: 97%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;2024 and after&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: Black 1px solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: Black 1px solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: Black 1px solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,146&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 97%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;334,932&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</sfst:ScheduledMaturitiesOfCertificatesOfDepositTableTextBlock>
    <us-gaap:ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;Listed below is a summary of the terms and maturities of the advances outstanding at December 31, 2019 and 2018. The $110.0 million outstanding at December 31, 2019 was at a variable rate.&lt;/font&gt;&lt;/p&gt; &#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 100%"&gt; &#13; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="border-top: #000000 1.5pt solid; width: 90%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="border-top: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td colspan="9" style="border-top: #000000 1.5pt solid; width: 9%; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="width: 90%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td colspan="9" style="border-bottom: #000000 1pt solid; width: 9%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 90%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 90%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Maturity&lt;/font&gt;&lt;/b&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Amount&lt;/font&gt;&lt;/b&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Rate&lt;/font&gt;&lt;/b&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Amount&lt;/font&gt;&lt;/b&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Rate&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt; &#13;   &lt;td style="width: 90%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;December 31, 2019&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-%&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;25,000&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2.65&lt;/font&gt;&lt;font style="font: x-small Arial"&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="width: 90%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;July 7, 2022&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-%&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;10,000&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;3.11&lt;/font&gt;&lt;font style="font: x-small Arial"&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt; &#13;   &lt;td style="width: 90%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;July 7, 2023&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-%&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;15,000&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;3.53&lt;/font&gt;&lt;font style="font: x-small Arial"&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="border-bottom: Black 1px solid; width: 90%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;December 31, 2020&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: Black 1px solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: Black 1px solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: Black 1px solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;110,000&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: Black 1px solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: Black 1px solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1.78&lt;/font&gt;&lt;font style="font: x-small Arial"&gt;%&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: Black 1px solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: Black 1px solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: Black 1px solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: Black 1px solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: Black 1px solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt; &#13;   &lt;td style="border-bottom: #000000 1.5pt solid; width: 90%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;110,000&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1.78&lt;/font&gt;&lt;font style="font: x-small Arial"&gt;%&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;50,000&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;3.01&lt;/font&gt;&lt;font style="font: x-small Arial"&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTextBlock>
    <us-gaap:ScheduleOfNotionalAmountsOfOutstandingDerivativePositionsTableTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The following table summarizes the Company&amp;#8217;s outstanding financial derivative instruments at December 31, 2019 and December 31, 2018.&lt;/font&gt;&lt;/p&gt; &#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 100%"&gt; &#13; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="border-top: #000000 1.5pt solid; width: 91%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="border-top: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td colspan="7" style="border-top: #000000 1.5pt solid; width: 7%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&lt;/td&gt; &#13;   &lt;td style="border-top: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td colspan="7" style="border-bottom: #000000 1pt solid; width: 7%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;December 31, 2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td colspan="2" style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td colspan="2" style="border-bottom: #000000 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Fair Value&lt;/font&gt;&lt;/b&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 91%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt; &#13;   &lt;td colspan="2" style="border-bottom: #000000 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Notional&lt;/font&gt;&lt;/b&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Balance Sheet Location&lt;/font&gt;&lt;/b&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt; &#13;   &lt;td colspan="2" style="border-bottom: #000000 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Asset/(Liability)&lt;/font&gt;&lt;/b&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt; &#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Mortgage loan interest rate lock commitments&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;26,446&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;Other assets&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;$&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;344&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 91%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;MBS forward sales commitments&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;20,500&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;Other liabilities&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(39&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt; &#13;   &lt;td style="border-bottom: #000000 1.5pt solid; width: 91%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total derivative financial instruments&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;46,946&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;305&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &lt;br /&gt;&#13; &#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 100%"&gt; &#13; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td colspan="7" style="width: 7%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;December 31, 2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td colspan="2" style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td colspan="2" style="border-bottom: #000000 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Fair Value&lt;/font&gt;&lt;/b&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 91%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt; &#13;   &lt;td colspan="2" style="border-bottom: #000000 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Notional&lt;/font&gt;&lt;/b&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Balance Sheet Location&lt;/font&gt;&lt;/b&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt; &#13;   &lt;td colspan="2" style="border-bottom: #000000 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Asset/(Liability)&lt;/font&gt;&lt;/b&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt; &#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Mortgage loan interest rate lock commitments&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;$&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;20,552&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;Other assets&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;$&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;345&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 91%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;MBS forward sales commitments&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;11,750&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;Other liabilities&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(121&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt; &#13;   &lt;td style="border-bottom: #000000 1.5pt solid; width: 91%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total derivative financial instruments&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;32,302&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;224&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ScheduleOfNotionalAmountsOfOutstandingDerivativePositionsTableTextBlock>
    <us-gaap:ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The tables below present the recorded amount of assets and liabilities measured at fair value on a recurring basis.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 100%"&gt;&#13;&#13;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td colspan="8" style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 83%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="8" style="border-bottom: Black 1pt solid; width: 16%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;December 31, 2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 83%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Level 1&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Level 2&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Level 3&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Total&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 83%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Assets&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 83%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Securities available for sale:&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="padding-left: 30pt; width: 83%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;US government agencies&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;499&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;499&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 83%; white-space: nowrap; text-align: left; padding-left: 30pt"&gt;&lt;font style="font: x-small Arial"&gt;SBA securities&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;531&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;531&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="padding-left: 30pt; width: 83%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;State and political subdivisions&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;4,184&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;4,184&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 83%; white-space: nowrap; text-align: left; padding-left: 30pt"&gt;&lt;font style="font: x-small Arial"&gt;Asset-backed securities&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;13,167&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;13,167&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="padding-left: 30pt; width: 83%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;Mortgage-backed securities&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;49,313&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;49,313&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 83%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Mortgage loans held for sale&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;27,046&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;27,046&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 15pt; background-color: Silver; width: 83%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Mortgage loan interest rate lock commitments&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;344&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;344&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 30pt; width: 83%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total assets measured at fair value on a recurring basis&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;95,084&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;95,084&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 83%; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 83%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Liabilities&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 83%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;MBS forward sales commitments&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;39&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;39&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; padding-left: 30pt; background-color: Silver; width: 83%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total liabilities measured at fair value on a recurring basis&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;39&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;39&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 83%; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="3" style="width: 7%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 83%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="8" style="border-bottom: Black 1pt solid; width: 16%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;December 31, 2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 83%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Level 1&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Level 2&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Level 3&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Total&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 83%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Assets&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 83%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Securities available for sale:&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="padding-left: 30pt; width: 83%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;US government agencies&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;8,782&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;8,782&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 83%; white-space: nowrap; text-align: left; padding-left: 30pt"&gt;&lt;font style="font: x-small Arial"&gt;SBA securities&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;3,525&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;3,525&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="padding-left: 30pt; width: 83%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;State and political subdivisions&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;8,356&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;8,356&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 83%; white-space: nowrap; text-align: left; padding-left: 30pt"&gt;&lt;font style="font: x-small Arial"&gt;Asset-backed securities&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;9,558&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;9,558&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="padding-left: 30pt; width: 83%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;Mortgage-backed securities&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;44,684&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;44,684&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 83%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Mortgage loans held for sale&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;9,241&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;9,241&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 15pt; background-color: Silver; width: 83%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Mortgage loan interest rate lock commitments&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;345&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;345&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 30pt; width: 83%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total assets measured at fair value on a recurring basis&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;84,491&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;84,491&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 83%; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 83%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Liabilities&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 83%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;MBS forward sales commitments&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;121&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;121&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; padding-left: 30pt; background-color: Silver; width: 83%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total liabilities measured at fair value on a recurring basis&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;121&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;121&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock>
    <us-gaap:FairValueAssetsMeasuredOnNonrecurringBasisTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The tables below present the recorded amount of assets and liabilities measured at fair value on a nonrecurring basis.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 100%"&gt;&#13;&#13;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td colspan="8" style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 83%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="8" style="border-bottom: Black 1pt solid; width: 16%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;December 31, 2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 83%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Level 1&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Level 2&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Level 3&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Total&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 83%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;Assets&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 83%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Impaired loans&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;5,634&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4,941&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;10,575&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 83%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total assets measured at fair value on a nonrecurring basis&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;5,634&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4,941&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;10,575&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 83%; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="8" style="width: 16%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 83%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="8" style="border-bottom: Black 1pt solid; width: 16%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;December 31, 2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 83%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Level 1&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Level 2&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Level 3&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Total&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 83%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;Assets&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 83%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Impaired loans&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,190&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;8,368&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;10,558&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 83%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total assets measured at fair value on a nonrecurring basis&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,190&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;8,368&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;10,558&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:FairValueAssetsMeasuredOnNonrecurringBasisTextBlock>
    <us-gaap:ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;These options were therefore excluded from the diluted earnings per share calculation.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 100%"&gt;&#13;&#13;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td colspan="7" style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 86%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="7" style="border-bottom: Black 1pt solid; width: 13%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 86%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands, except share data)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2017&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 86%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Numerator:&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 86%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Net income&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;27,858&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;22,289&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;13,045&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 86%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Net income available to common shareholders&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;27,858&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;22,289&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;13,045&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 86%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Denominator:&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 86%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Weighted-average common shares outstanding - basic&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7,528,283&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7,384,200&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7,005,703&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 86%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Common stock equivalents&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;244,261&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;353,295&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;387,674&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 86%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Weighted-average common shares outstanding - diluted&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7,772,544&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7,737,495&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7,393,377&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 86%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Earnings per common share:&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 86%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Basic&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;3.70&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;3.02&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1.86&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; padding-left: 15pt; width: 86%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Diluted&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;3.58&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2.88&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1.76&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock>
    <us-gaap:ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The components of income tax expense were as follows:&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 100%"&gt;&#13;&#13;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td colspan="8" style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 85%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="8" style="border-bottom: Black 1pt solid; width: 14%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;For the years ended December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 85%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2017&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 85%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Current income taxes:&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 85%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Federal&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;6,791&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;5,536&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7,139&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 85%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;State&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,250&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;990&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;573&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 85%; white-space: nowrap; text-align: left; padding-left: 30pt"&gt;&lt;font style="font: x-small Arial"&gt;Total current tax expense&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;8,041&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;6,526&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7,712&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 85%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Deferred income tax expense (benefit)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(420&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(125&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,904&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; padding-left: 15pt; width: 85%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Income tax expense&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7,621&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;6,401&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;10,616&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock>
    <us-gaap:ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The following is a summary of the items that caused recorded income taxes to differ from taxes computed using the statutory tax rate:&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 100%"&gt;&#13;&#13;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td colspan="8" style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 84%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="8" style="border-bottom: Black 1pt solid; width: 14%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;For the years ended December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 84%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2017&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 84%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Tax expense at statutory rate&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7,451&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;6,025&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;8,281&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 84%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Effect of state income taxes, net of federal benefit&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;987&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;782&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;372&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 84%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Exempt income&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(26&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(34&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(146&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 84%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Effect of change in federal tax rate&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,441&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 84%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Effect of stock-based compensation&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(693&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(248&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(2&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 84%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Other&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(98&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(124&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(330&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; padding-left: 30pt; width: 84%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Income tax expense&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7,621&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;6,401&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;10,616&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock>
    <us-gaap:ScheduleOfRelatedPartyTransactionsTableTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;A summary of loan transactions with directors and executive officers, including their affiliates is as follows:&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 100%"&gt;&#13;&#13;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 89%; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="6" style="border-top: Black 1.5pt solid; width: 10%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 89%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="5" style="border-bottom: Black 1pt solid; width: 9%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;For the years ended December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 89%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 89%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Balance, beginning of year&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;13,969&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;15,276&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 89%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;New loans&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;6,709&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;5,686&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 89%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Less loan payments&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(9,787&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(6,993&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 89%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Balance, end of year&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;10,891&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;13,969&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ScheduleOfRelatedPartyTransactionsTableTextBlock>
    <us-gaap:ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;Stock-based compensation expense was recorded as follows:&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 100%"&gt;&#13;&#13;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td colspan="6" style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 87%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="6" style="border-bottom: Black 1pt solid; width: 12%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;For the years ended December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 87%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2017&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 87%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Stock option expense&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;&amp;#160;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,270&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,183&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;959&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 87%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Restricted stock grant expense&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;428&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;319&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;299&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 87%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total stock-based compensation expense&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,698&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,502&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,258&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock>
    <us-gaap:ScheduleOfShareBasedCompensationEmployeeStockPurchasePlanActivityTableTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;A summary of the status of the stock option plan and changes for the period is presented below:&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 100%"&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; text-align: left; width: 76%"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right; width: 1%"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right; width: 1%"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right; width: 1%"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right; width: 1%"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right; width: 1%"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right; width: 1%"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="23" style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;For the years ended December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2017&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Weighted&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Weighted&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Weighted&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Weighted&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Average&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Weighted&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Average&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Weighted&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Average&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;average&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Remaining&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;average&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Remaining&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;average&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Remaining&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;exercise&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Contractual&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;exercise&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Contractual&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;exercise&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Contractual&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Shares&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;price&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Life&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Shares&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;price&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Life&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Shares&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;price&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Life&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;Outstanding at beginning of year&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;648,311&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; 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text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;32.81&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;94,700&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;43.13&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;110,950&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;35.34&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="text-align: left; padding-left: 15pt"&gt;&lt;font style="font: xx-small Arial"&gt;Exercised&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;(191,497&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;9.24&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;(105,630&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;8.51&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;(74,437&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;9.48&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 15pt; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;Forfeited or expired&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;(16,750&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;34.01&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;(3,600&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;40.03&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;(15,875&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;23.49&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;Outstanding at end of year&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;541,414&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;26.65&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;6.3 years&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;648,311&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;20.74&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;5.6 years&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;662,841&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;15.70&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;5.6 years&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;Options exercisable at year-end&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;305,991&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;20.00&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;4.9 years&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;404,851&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;12.58&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;4.0 years&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;419,766&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;9.20&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;4.1 years&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;Weighted average fair value of options granted during the year&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;11.81&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;16.76&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;14.14&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;Shares available for grant&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;183,990&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;270,090&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;359,690&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ScheduleOfShareBasedCompensationEmployeeStockPurchasePlanActivityTableTextBlock>
    <us-gaap:ScheduleOfAssumptionsUsedTableTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The fair value of the option grant is estimated on the date of grant using the Black-Scholes option-pricing model. The following assumptions were used for grants:&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 100%"&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 94%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2017&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 94%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Dividend yield&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 94%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Expected life&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7 years&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7 years&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7 years&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 94%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Expected volatility&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;28.21%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;32.07%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;34.63%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 94%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Risk-free interest rate&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2.59%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2.50%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2.04%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ScheduleOfAssumptionsUsedTableTextBlock>
    <us-gaap:ScheduleOfNonvestedRestrictedStockUnitsActivityTableTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;A summary of the status of the Company&amp;#8217;s nonvested restricted stock and changes for the years ended December 31, 2019, 2018, and 2017 is as follows:&lt;/font&gt;&lt;/p&gt;&#13;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 100%"&gt;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 82%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="17" style="border-bottom: Black 1pt solid; width: 17%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 82%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2017&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 82%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Weighted&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Weighted&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Weighted&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 82%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Average&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Average&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Average&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 82%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Restricted&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Grant-Date&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13; 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  &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Fair Value&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Shares&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; 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  &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;25,000&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;26.43&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;36,125&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;20.13&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 82%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Granted&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;14,700&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;33.64&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;13,000&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;42.87&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;6,500&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;35.14&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; 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  &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(8,375&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;25.17&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; 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  &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;32,825&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;34.78&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;29,625&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;34.00&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;25,000&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;26.43&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ScheduleOfNonvestedRestrictedStockUnitsActivityTableTextBlock>
    <us-gaap:ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The following table summarizes the capital amounts and ratios of the Bank and the Company and the regulatory minimum requirements at December 31, 2019 and 2018.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 100%"&gt;&#13;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&#13;   &#13;   &#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 85%; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="4" style="width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;To be well&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 85%; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="4" style="width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;capitalized&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 85%; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="3" style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;For capital&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="4" style="width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;under prompt&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 85%; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="3" style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;adequacy purposes&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="4" style="width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;corrective action&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 85%; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Actual&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="4" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;minimum&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="4" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;provisions minimum&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 85%; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: center"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Amount&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Ratio&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: center"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Amount&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Ratio&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: center"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Amount&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Ratio&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 85%; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;As of December 31, 2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 85%; text-align: left"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;The Bank&lt;/font&gt;&lt;/i&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/i&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 85%; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total Capital (to risk weighted assets)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;250,847&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;13.31%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;150,807&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;8.00%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;188,510&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;10.00%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 85%; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Tier 1 Capital (to risk weighted assets)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;234,205&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;12.42%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;113,106&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;6.00%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;150,807&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;8.00%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 85%; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Common Equity Tier 1 Capital (to risk weighted assets)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;234,205&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;12.42%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;84,829&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4.50%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;122,531&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;6.50%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 85%; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Tier 1 Capital (to average assets)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;234,205&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;10.80%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;86,772&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4.00%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;108,465&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;5.00%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 85%; text-align: left"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;&lt;/font&gt;&lt;/i&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/i&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 85%; text-align: left"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;The Company&lt;/font&gt;&lt;/i&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;&lt;sup&gt;(1)&lt;/sup&gt;&lt;/font&gt;&lt;/i&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/i&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 85%; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total Capital (to risk weighted assets)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;258,800&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;13.73%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;150,807&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;8.00%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;n/a&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;n/a&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 85%; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Tier 1 Capital (to risk weighted assets)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;219,158&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;11.63%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;113,106&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;6.00%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;n/a&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;n/a&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 85%; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Common Equity Tier 1 Capital (to risk weighted assets)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;206,158&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;10.94%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;84,829&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4.50%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;n/a&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;n/a&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 85%; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Tier 1 Capital (to average assets)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;219,158&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;10.10%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;86,772&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4.00%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;n/a&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;n/a&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 85%; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 85%; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="4" style="width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;To be well&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 85%; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="4" style="width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;capitalized&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 85%; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="4" style="width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;For capital&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="4" style="width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;under prompt&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 85%; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="4" style="width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;adequacy purposes&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="4" style="width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;corrective action&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 85%; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Actual&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="4" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;minimum&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="4" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;provisions minimum&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 85%; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: center"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Amount&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Ratio&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: center"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Amount&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Ratio&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: center"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Amount&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Ratio&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 85%; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;As of December 31, 2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 85%; text-align: left"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;The Bank&lt;/font&gt;&lt;/i&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/i&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 85%; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total Capital (to risk weighted assets)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;198,195&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;12.16%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;130,368&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;8.00%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;162,960&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;10.00%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 85%; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Tier 1 Capital (to risk weighted assets)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;182,433&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;11.20%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;97,776&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;6.00%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;130,368&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;8.00%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 85%; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Common Equity Tier 1 Capital (to risk weighted assets)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;182,433&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;11.20%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;73,332&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4.50%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;105,924&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;6.50%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 85%; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Tier 1 Capital (to average assets)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;182,433&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;9.84%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;74,126&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4.00%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;92,658&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;5.00%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 85%; text-align: left"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;&lt;/font&gt;&lt;/i&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/i&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 85%; text-align: left"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;The Company&lt;/font&gt;&lt;/i&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;&lt;sup&gt;(1)&lt;/sup&gt;&lt;/font&gt;&lt;/i&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/i&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 85%; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total Capital (to risk weighted assets)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;203,595&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;12.49%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;130,368&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;8.00%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;n/a&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;n/a&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 85%; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Tier 1 Capital (to risk weighted assets)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;187,833&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;11.53%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;97,776&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;6.00%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;n/a&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;n/a&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 85%; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Common Equity Tier 1 Capital (to risk weighted assets)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;174,833&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;10.73%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;73,332&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4.50%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;n/a&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;n/a&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 85%; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Tier 1 Capital (to average assets)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;187,833&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;10.14%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;74,126&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4.00%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;n/a&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;n/a&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;                                                                                 &#13;   &#13;   &#13;&lt;/table&gt;&#13;&#13;&#13;&#13;&lt;br /&gt;&#13;&lt;div&gt;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="width: 100%"&gt;&#13;&#13;&#13;&#13;&lt;tr&gt;&#13;&#13;   &lt;td style="padding-right: 8pt; width: 1%; vertical-align: top; text-align: left"&gt;&#13;&#13;   &#13;&#13;   &lt;p style="text-align: justify"&gt;&lt;i&gt;&lt;font style="font: xx-small Arial"&gt;(1)&lt;/font&gt;&lt;/i&gt;&lt;/p&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 99%"&gt;&#13;&#13;   &#13;&#13;   &lt;p style="text-align: justify"&gt;&lt;i&gt;&lt;font style="font: xx-small Arial"&gt;Under the Federal Reserve&amp;#8217;s Small Bank Holding Company Policy Statement, the Company is not subject to the minimum capital adequacy and capital conservation buffer capital requirements at the holding company level, unless otherwise advised by the Federal Reserve (such capital requirements are applicable only at the Bank level). Although the minimum regulatory capital requirements are not applicable to the Company, we calculate these ratios for our own planning and monitoring purposes.&lt;/font&gt;&lt;/i&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;/div&gt;</us-gaap:ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock>
    <us-gaap:ScheduleOfSegmentReportingInformationBySegmentTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The following schedule presents financial&#13;information for each reportable segment.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 100%"&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 87%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="12" style="border-bottom: Black 1pt solid; width: 12%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Year ended December 31, 2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 87%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Commercial&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 87%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;and Retail&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Mortgage&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Corporate&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 87%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Banking&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Banking&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Operations&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Eliminations&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Consolidated&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 87%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Interest income&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;91,923&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;729&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;13&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(13&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;92,652&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 87%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Interest expense&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;24,467&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;929&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(13&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;25,383&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 87%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Net interest income (loss)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;67,456&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;729&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(916&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;67,269&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 87%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Provision for loan losses&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,300&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,300&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 87%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Noninterest income&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;5,060&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;9,923&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;14,983&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 87%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Noninterest expense&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;37,798&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;6,435&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;240&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;44,473&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 87%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Net income (loss) before taxes&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;32,418&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4,217&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(1,156&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;35,479&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 87%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Income tax provision (benefit)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;6,978&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;886&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(243&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7,621&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 87%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Net income (loss)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;25,440&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;3,331&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(913&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;27,858&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 87%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total assets&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,239,430&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;27,356&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;242,069&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(241,660&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,267,195&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 87%; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="4" style="width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 87%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="12" style="border-bottom: Black 1pt solid; width: 12%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Year ended December 31, 2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 87%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Commercial&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 87%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;and Retail&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Mortgage&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 87%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Banking&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Banking&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Corporate&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Eliminations&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Consolidated&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 87%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Interest income&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;76,282&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;375&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;9&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(9&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;76,657&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 87%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Interest expense&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;15,922&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;592&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(9&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;16,505&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 87%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Net interest income (loss)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;60,360&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;375&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(583&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;60,152&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 87%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Provision for loan losses&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,900&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,900&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 87%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Noninterest income&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4,657&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;5,544&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;10,201&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 87%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Noninterest expense&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;35,371&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4,152&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;240&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;39,763&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 87%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Net income (loss) before taxes&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13; 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white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;28,690&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 87%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Income tax expense (benefit)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;6,185&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;389&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(173&lt;/font&gt;&lt;/td&gt;&#13;&#13; 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background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 87%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Net income (loss)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;21,561&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,378&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(650&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;22,289&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 87%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total assets&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13; 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    <us-gaap:InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;NOTE 2 &amp;#8211; Investment Securities&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The amortized costs and fair value of investment securities are as follows:&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse"&gt;&#13;&#13;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 91%; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="8" style="border-bottom: Black 1pt solid; width: 8%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;December 31, 2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Amortized&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="3" style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Gross Unrealized&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Fair&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 91%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Cost&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Gains&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Losses&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Value&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Available for sale&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;US government agencies&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;500&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;499&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;SBA securities&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;550&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;19&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;531&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;State and political subdivisions&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4,205&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;3&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;24&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4,184&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;Asset-backed securities&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;13,351&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;184&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;13,167&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Mortgage-backed securities&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="padding-left: 30pt; width: 91%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;FHLMC&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;10,609&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;14&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;15&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;10,608&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left; padding-left: 30pt"&gt;&lt;font style="font: x-small Arial"&gt;FNMA&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;35,275&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;34&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;169&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;35,140&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 30pt; width: 91%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;GNMA&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;3,581&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;5&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;21&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;3,565&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 91%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Total mortgage-backed securities&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; 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  &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;49,313&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; padding-left: 45pt; background-color: Silver; width: 91%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; 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  &lt;td style="width: 91%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="8" style="border-bottom: Black 1pt solid; width: 8%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;December 31, 2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Amortized&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="3" style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Gross Unrealized&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Fair&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 91%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Cost&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Gains&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Losses&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Value&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Available for sale&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;US government agencies&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;8,975&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;194&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;8,782&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;SBA securities&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;3,628&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; 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  &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;29,068&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;25&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;551&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;28,542&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 30pt; background-color: Silver; width: 91%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;GNMA&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4,170&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;132&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4,039&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 91%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total mortgage-backed securities&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;45,496&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;113&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;925&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;44,684&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; padding-left: 45pt; background-color: Silver; width: 91%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;76,065&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;174&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,334&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;74,905&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&#13;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;During 2019, approximately $34.9 million of investment securities were either sold or called, subsequently resulting in a gain on sale of investment securities of $727,000.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The amortized costs and fair values of investment securities available for sale at December 31, 2019 and 2018, by contractual maturity, are shown below. Expected maturities may differ from contractual maturities because issuers have the right to prepay the obligations.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse"&gt;&#13;&#13;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 91%; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="8" style="border-top: Black 1.5pt solid; width: 8%; white-space: nowrap; text-align: center"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="8" style="border-bottom: Black 1pt solid; width: 8%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 2%; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Amortized&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Fair&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Amortized&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Fair&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 91%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Cost&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Value&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Cost&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Value&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Available for sale&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Due within one year&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;Due after one through five years&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;4,699&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;4,675&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;8,681&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;8,578&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Due after five through ten years&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;10,454&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;10,414&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;22,796&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;22,379&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 91%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Due after ten years&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;52,918&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;52,605&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;44,588&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;43,948&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 91%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;68,071&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;67,694&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;76,065&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;74,905&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&#13;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The tables below summarize gross unrealized losses on investment securities and the fair market value of the related securities, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, at December 31, 2019 and 2018.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse"&gt;&#13;&#13;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 76%; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="7" style="border-top: Black 1.5pt solid; width: 7%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="5" style="border-top: Black 1.5pt solid; width: 5%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-top: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 76%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="7" style="border-bottom: Black 1pt solid; width: 7%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Less than 12 months&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="5" style="border-bottom: Black 1pt solid; width: 5%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;12 months or longer&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Total&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 76%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Fair&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Unrealized&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Fair&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Unrealized&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Fair&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 2%; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Unrealized&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 76%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;#&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;value&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;losses&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;#&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;value&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;losses&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;#&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;value&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;losses&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 76%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;As of December 31, 2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 76%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Available for sale&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 76%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;US government agencies&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;499&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;499&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 76%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;SBA securities&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;531&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;19&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;531&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;19&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 76%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;State and political subdivisions&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,093&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;24&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,093&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;24&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 76%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Asset-backed&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;5&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;5,921&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;68&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;5&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; 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width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;50,391&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;433&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&#13;&#13;&#13;&lt;p style="text-align: center"&gt;&lt;/p&gt;&#13;&#13;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse"&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 76%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;&#13;   &lt;td colspan="7" style="border-bottom: Black 1pt solid; width: 5%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Less than 12 months&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="5" style="border-bottom: Black 1pt solid; width: 5%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;12 months or longer&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Total&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 76%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Fair&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Unrealized&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Fair&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Unrealized&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Fair&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Unrealized&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 76%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;#&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;value&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;losses&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;#&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;value&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;losses&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;#&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;value&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;losses&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 76%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;As of December 31, 2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 76%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Available for sale&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; 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  &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;1,246&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;3&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;8&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;7,035&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;191&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;9&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;8,281&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;194&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 76%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;SBA securities&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13; 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text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;3,525&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;103&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;3,525&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;103&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="padding-left: 15pt; width: 76%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;State and political subdivisions&lt;/font&gt;&lt;/td&gt;&#13;&#13; 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white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;7&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;2,829&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;63&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;7&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;2,829&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;63&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 76%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Asset-backed&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;6,707&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;49&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;6,707&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; 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width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;6&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;3&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,919&lt;/font&gt;&lt;/td&gt;&#13;&#13; 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text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;53&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;46,524&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; 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                                                                                  &#13;   &#13;&lt;/table&gt;&#13;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;At December 31, 2019, the Company had 28 individual investments with a fair market value of $30.1 million that were in an unrealized loss position for less than 12 months and 22 individual investments with a fair market value of $20.3 million that were in an unrealized loss position for 12 months or longer. The unrealized losses were primarily attributable to changes in interest rates, rather than deterioration in credit quality. The individual securities are each investment grade securities. The Company considers the length of time and extent to which the fair value of available-for-sale debt securities have been less than cost to conclude that such securities were not other-than-temporarily impaired. We also consider other factors such as the financial condition of the issuer including credit ratings and specific events affecting the operations of the issuer, volatility of the security, underlying assets that collateralize the debt security, and other industry and macroeconomic conditions. As the Company has no intent to sell securities with unrealized losses and it is not more-likely-than-not that the Company will be required to sell these securities before recovery of amortized cost, we have concluded that the securities are not impaired on an other-than-temporary basis.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;Other investments are comprised of the following and are recorded at cost which approximates fair value:&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse"&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 95%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="4" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 95%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: left; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 95%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;Federal Home Loan Bank stock&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;6,386&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;3,587&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 95%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Other investments&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;159&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;131&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 95%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Investment in Trust Preferred subsidiaries&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;403&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;403&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 95%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;6,948&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4,121&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;                                                                                   &#13;   &#13;   &#13;&lt;/table&gt;&#13;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The Company has evaluated the FHLB stock for impairment and determined that the investment in FHLB stock is not other than temporarily impaired as of December 31, 2019 and ultimate recoverability of the par value of this investment is probable. All of the FHLB stock is used to collateralize advances with the FHLB.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;At December 31, 2019 and 2018, there were no securities pledged as collateral for repurchase agreements from brokers.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</us-gaap:InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock>
    <sfst:MortgageLoansHeldForSaleTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;NOTE 3 &amp;#8211; Mortgage Loans Held for Sale&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;Mortgage loans originated and intended for sale in the secondary market are reported as loans held for sale and carried at fair value under the fair value option with changes in fair value recognized in current period earnings. Loans held for sale include mortgage loans which are saleable into the secondary mortgage markets and their fair values are estimated using observable quoted market or contracted prices or market price equivalents, which would be used by other market participants. At the date of funding of the mortgage loan held for sale, the funded amount of the loan, the related derivative asset or liability of the associated interest rate lock commitment, less direct loan costs becomes the initial recorded investment in the loan held for sale. Such amount approximates the fair value of the loan. At December 31, 2019, mortgage loans held for sale totaled $27.0 million compared to $9.2 million at December 31, 2018.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;Mortgage loans held for sale are considered&#13;de-recognized, or sold, when the Company surrenders control over the financial assets. Control is considered to have been surrendered&#13;when the transferred assets have been isolated from the Company, beyond the reach of the Company and its creditors; the purchaser&#13;obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred&#13;assets; and the Company does not maintain effective control over the transferred assets through an agreement that both entitles&#13;and obligates the Company to repurchase or redeem the transferred assets before their maturity or the ability to unilaterally&#13;cause the holder to return specific assets.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&#13;&#13;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;Gains and losses from the sale of mortgage loans are recognized based upon the difference between the sales proceeds and carrying value of the related loans upon sale and are recorded in mortgage banking income in the statement of income. Mortgage banking income also includes the unrealized gains and losses associated with the loans held for sale and the realized and unrealized gains and losses from derivatives.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;Mortgage loans sold to investors by the Company, and which were believed to have met investor and agency underwriting guidelines at the time of sale, may be subject to repurchase or indemnification in the event of specific default by the borrower or subsequent discovery that underwriting standards were not met. The Company may, upon mutual agreement, agree to repurchase the loans or indemnify the investor against future losses on such loans. In such cases, the Company bears any subsequent credit loss on the loans. As appropriate, the Company establishes mortgage repurchase reserves related to various representations and warranties that reflect management&amp;#8217;s estimate of losses.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</sfst:MortgageLoansHeldForSaleTextBlock>
    <us-gaap:LoansNotesTradeAndOtherReceivablesDisclosureTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;NOTE 4 &amp;#8211; Loans and Allowance for Loan Losses&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The Company makes loans to individuals and small businesses for various personal and commercial purposes primarily in the Upstate, Midlands, and Lowcountry regions of South Carolina, the Triangle and Triad regions of North Carolina as well as Atlanta, Georgia. The Company&amp;#8217;s loan portfolio is not concentrated in loans to any single borrower or a relatively small number of borrowers. The Company focuses its lending activities primarily on the professional markets in these regions including doctors, dentists, and small business owners. The principal component of the loan portfolio is loans secured by real estate mortgages which account for 82.8% of total loans at December 31, 2019. Commercial loans comprise 61.5% of total real estate loans and consumer loans account for 38.5%. Commercial real estate loans are further categorized into owner occupied which represents 21.0% of total loans and non-owner occupied loans represent 25.8%. Commercial construction loans represent only 4.1% of the total loan portfolio.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;In addition to monitoring potential concentrations of loans to particular borrowers or groups of borrowers, industries and geographic regions, management monitors exposure to credit risk from concentrations of lending products and practices such as loans that subject borrowers to substantial payment increases (e.g. principal deferral periods, loans with initial interest-only periods, etc.), and loans with high loan-to-value ratios. Additionally, there are industry practices that could subject the Company to increased credit risk should economic conditions change over the course of a loan&amp;#8217;s life. For example, the Company makes variable rate loans and fixed rate principal-amortizing loans with maturities prior to the loan being fully paid (i.e. balloon payment loans). The various types of loans are individually underwritten and monitored to manage the associated risks.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The allowance for loan losses is management's estimate of credit losses inherent in the loan portfolio at the balance sheet date. We have an established process to determine the adequacy of the allowance for loan losses that assesses the losses inherent in our portfolio. While we attribute portions of the allowance to specific portfolio segments, the entire allowance is available to absorb credit losses inherent in the total loan portfolio. Our process involves procedures to appropriately consider the unique risk characteristics of our commercial and consumer loan portfolio segments. For each portfolio segment, impairment is measured individually for each impaired loan. Our allowance levels are influenced by loan volume, loan grade or delinquency status, historic loss experience and other economic conditions.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Portfolio Segment Methodology&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;Commercial&lt;br /&gt;&lt;/font&gt;&lt;/i&gt;&lt;font style="font: x-small Arial"&gt;Commercial loans are assessed for estimated losses by grading each loan using various risk factors identified through periodic reviews. The Company applies historic grade-specific loss factors to each loan class. In the development of statistically derived loan grade loss factors, the Company observes historical losses over 20 quarters for each loan grade. These loss estimates are adjusted as appropriate based on additional analysis of external loss data or other risks identified from current economic conditions and credit quality trends. The allowance also includes an amount for the estimated impairment on nonaccrual commercial loans and commercial loans modified in a TDR, whether on accrual or nonaccrual status.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;&lt;i&gt;Consumer&lt;br /&gt;&lt;/i&gt;For consumer loans, the&#13;Company determines the allowance on a collective basis utilizing historical losses over 20 quarters to represent its best estimate&#13;of inherent loss. The Company pools loans, generally by loan class with similar risk characteristics. The allowance also includes&#13;an amount for the estimated impairment on nonaccrual consumer loans and consumer loans modified in a TDR, whether on accrual or&#13;nonaccrual status.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The following table summarizes the composition of our loan portfolio. Total gross loans are recorded net of deferred loan fees and costs, which totaled $3.3 million and $2.8 million as of December 31, 2019 and December 31, 2018, respectively.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse"&gt;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 89%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="10" style="border-bottom: Black 1pt solid; width: 10%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 89%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 89%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Commercial&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 89%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Owner occupied RE&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;407,851&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;21.0%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;367,018&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;21.9%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 89%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Non-owner occupied RE&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;501,878&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;25.8%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;404,296&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;24.1%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 89%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Construction&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;80,486&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4.1%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;84,411&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;5.0%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 89%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Business&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;308,123&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;15.9%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;272,980&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;16.3%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 89%; white-space: nowrap; text-align: left; padding-left: 30pt"&gt;&lt;font style="font: x-small Arial"&gt;Total commercial loans&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,298,338&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;66.8%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,128,705&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;67.3%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 89%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Consumer&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 89%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Real estate&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;398,245&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;20.5%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;320,943&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;19.1%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 89%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Home equity&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;179,738&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;9.3%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;165,937&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;9.9%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 89%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Construction&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;41,471&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2.1%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;37,925&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2.3%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 89%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Other&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;25,733&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1.3%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;23,822&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1.4%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 89%; white-space: nowrap; text-align: left; padding-left: 30pt"&gt;&lt;font style="font: x-small Arial"&gt;Total consumer loans&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;645,187&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;33.2%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;548,627&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;32.7%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 89%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Total gross loans, net of deferred fees&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,943,525&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;100.0%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,677,332&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;100.0%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 89%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Less &amp;#8211; allowance for loan losses&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(16,642&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(15,762&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; padding-left: 15pt; width: 89%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total loans, net&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,926,883&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,661,570&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;                                              &#13;   &#13;   &#13;&lt;/table&gt;&#13;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The composition of gross loans by rate type is as follows:&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse"&gt;&#13;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&#13;   &#13;   &#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 95%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="4" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 95%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 95%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;Variable rate loans&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;432,540&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;402,148&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 95%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Fixed rate loans&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,510,985&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,275,184&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 95%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,943,525&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,677,332&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;                                                                                       &#13;   &#13;   &#13;&lt;/table&gt;&#13;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;At December 31, 2019, approximately $716.0 million of the Company&amp;#8217;s mortgage loans were pledged as collateral for advances from the FHLB, as set forth in Note 10.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Credit Quality Indicators&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;Commercial&lt;br /&gt;&lt;/font&gt;&lt;/i&gt;&lt;font style="font: x-small Arial"&gt;We manage a consistent process for assessing commercial loan credit quality by monitoring our loan grading trends and past due statistics. All loans are subject to individual risk assessment. Our risk categories include Pass, Special Mention, Substandard, and Doubtful, each of which is defined by banking regulatory agencies. Delinquency statistics are also an important indicator of credit quality in the establishment of our allowance for credit losses.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;We categorize our loans into risk categories based on relevant information about the ability of the borrower to service their debt such as current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. A description of the general characteristics of the risk grades is as follows:&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="width: 100%; font: 10pt Arial; border-collapse: collapse; text-align: justify"&gt;&#13;&#13;&#13;&#13;&lt;tr&gt;&#13;&#13;   &lt;td style="padding-left: 15pt; padding-right: 8pt; vertical-align: top; width: 1%"&gt;&lt;font style="font-size: 9.5pt"&gt;&amp;#9679;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="vertical-align: top; width: 99%"&gt;&lt;font style="font: x-small Arial"&gt;Pass&amp;#8212;These loans range from minimal credit risk to average however still acceptable credit risk.&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr&gt;&#13;   &lt;td style="padding-left: 15pt; padding-right: 8pt; vertical-align: top"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="vertical-align: top"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&#13;&lt;tr&gt;&#13;&#13;   &lt;td style="padding-left: 15pt; padding-right: 8pt; vertical-align: top; width: 1%"&gt;&lt;font style="font-size: 9.5pt"&gt;&amp;#9679;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="vertical-align: top; width: 99%"&gt;&lt;font style="font: x-small Arial"&gt;Special mention&amp;#8212;A special mention loan has potential weaknesses that deserve management&amp;#8217;s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or the institution&amp;#8217;s credit position at some future date.&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr&gt;&#13;   &lt;td style="padding-left: 15pt; padding-right: 8pt; vertical-align: top"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="vertical-align: top"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&#13;&lt;tr&gt;&#13;&#13;   &lt;td style="padding-left: 15pt; padding-right: 8pt; vertical-align: top; width: 1%"&gt;&lt;font style="font-size: 9.5pt"&gt;&amp;#9679;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="vertical-align: top; width: 99%"&gt;&lt;font style="font: x-small Arial"&gt;Substandard&amp;#8212;A substandard loan is inadequately protected by the current sound worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified must have a well-defined weakness, or weaknesses, that may jeopardize the liquidation of the debt. A substandard loan is characterized by the distinct possibility that the Bank will sustain some loss if the deficiencies are not corrected.&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&#13;&#13;&lt;p style="text-align: center"&gt;&lt;/p&gt;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="width: 100%; font: 10pt Arial; text-align: justify"&gt;&#13;&#13;&#13;&#13;&lt;tr&gt;&#13;&#13;   &lt;td style="width: 1%; vertical-align: top; padding-left: 15pt; padding-right: 8pt"&gt;&lt;font style="font-size: 9.5pt"&gt;&amp;#9679;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="vertical-align: top; width: 99%"&gt;&lt;font style="font: x-small Arial"&gt;Doubtful&amp;#8212;A doubtful loan has all of the weaknesses inherent in one classified as substandard with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of the currently existing facts, conditions and values, highly questionable and improbable.&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The following tables provide past due information for outstanding commercial loans and include loans on nonaccrual status.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse"&gt;&#13;&#13;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td colspan="12" style="border-top: Black 1.5pt solid; width: 100%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="10" style="border-bottom: Black 1pt solid; width: 20%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;December 31, 2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Owner&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Non-owner&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;occupied RE&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;occupied RE&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Construction&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Business&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Total&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Current&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;&amp;#160; $&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;406,594&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;501,676&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;80,486&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;307,710&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,296,466&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;30-59 days past due&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;706&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;151&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;178&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,035&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;60-89 days past due&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Greater than 90 days&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;551&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;51&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;235&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;837&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;407,851&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;501,878&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;80,486&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;308,123&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,298,338&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr&gt;&#13;&#13;   &lt;td colspan="12" style="width: 100%"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="10" style="border-bottom: Black 1pt solid; width: 20%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;December 31, 2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Owner&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Non-owner&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;occupied RE&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;occupied RE&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Construction&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Business&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Total&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Current&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;367,018&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;404,179&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;84,411&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;272,864&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,128,472&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;30-59 days past due&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;117&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;36&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;153&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;60-89 days past due&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Greater than 90 days&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;80&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;80&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;367,018&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;404,296&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;84,411&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;272,980&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,128,705&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&#13;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;As of December 31, 2019 and 2018, loans 30 days or more past due represented 0.23% and 0.26% of our total loan portfolio, respectively. Commercial loans 30 days or more past due were 0.10% and 0.01% as of December 31, 2019 and 2018, respectively.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The tables below provide a breakdown of outstanding commercial loans by risk category.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse"&gt;&#13;&#13;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 79%; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="3" style="border-top: Black 1.5pt solid; width: 7%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="10" style="border-bottom: Black 1pt solid; width: 20%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;December 31, 2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Owner&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Non-owner&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;occupied RE&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;occupied RE&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Construction&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Business&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Total&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Pass&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;&amp;#160; $&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;404,237&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;492,941&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;80,486&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;301,504&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,279,168&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Special Mention&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,312&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;744&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;3,108&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;5,164&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Substandard&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,302&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;8,193&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;3,511&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;14,006&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Doubtful&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;407,851&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;501,878&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;80,486&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;308,123&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,298,338&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr&gt;&#13;&#13;   &lt;td colspan="12" style="width: 100%"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="10" style="border-bottom: Black 1pt solid; width: 20%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;December 31, 2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Owner&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Non-owner&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;occupied RE&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;occupied RE&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Construction&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Business&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Total&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Pass&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;&amp;#160; $&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;363,621&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;400,266&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;84,411&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;266,898&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,115,196&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Special Mention&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;296&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;118&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,971&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;3,385&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Substandard&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;3,101&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;3,912&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;3,111&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;10,124&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Doubtful&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;367,018&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;404,296&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;84,411&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;272,980&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,128,705&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&#13;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;&lt;i&gt;Consumer&lt;br /&gt;&lt;/i&gt;We manage a consistent&#13;process for assessing consumer loan credit quality by monitoring our loan grading trends and past due statistics. All loans are&#13;subject to individual risk assessment. Our risk categories include Pass, Special Mention, Substandard, and Doubtful, which are&#13;defined above. Delinquency statistics are also an important indicator of credit quality in the establishment of our allowance&#13;for loan losses.&lt;/font&gt;&lt;/p&gt;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The following tables provide past due information for outstanding consumer loans and include loans on nonaccrual status.&lt;/font&gt;&lt;/p&gt;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse"&gt;&#13;&#13;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&amp;#160;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="3" style="border-top: Black 1.5pt solid; width: 7%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="10" style="border-bottom: Black 1pt solid; width: 20%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;December 31, 2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Real estate&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Home equity&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Construction&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Other&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Total&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Current&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;396,445&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;179,051&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;41,471&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;25,650&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;642,617&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;30-59 days past due&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;799&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;369&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;83&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,251&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;60-89 days past due&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;118&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;118&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Greater than 90 days&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,001&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;200&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,201&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;398,245&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;179,738&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;41,471&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;25,733&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;645,187&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr&gt;&#13;&#13;   &lt;td colspan="12" style="width: 100%"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="10" style="border-bottom: Black 1pt solid; width: 20%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;December 31, 2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Real estate&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Home equity&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Construction&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Other&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Total&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Current&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;317,267&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;165,727&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;37,925&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;23,603&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;544,522&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;30-59 days past due&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,555&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;30&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;106&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,691&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;60-89 days past due&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;923&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;113&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,036&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Greater than 90 days&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;198&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;180&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;378&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;320,943&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;165,937&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;37,925&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;23,822&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;548,627&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&#13;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;Consumer loans 30 days or more past due were 0.13% and 0.25% as of December 31, 2019 and 2018, respectively.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The tables below provide a breakdown of outstanding consumer loans by risk category.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse"&gt;&#13;&#13;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&amp;#160;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="3" style="border-top: Black 1.5pt solid; width: 7%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="10" style="border-bottom: Black 1pt solid; width: 20%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;December 31, 2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Real estate&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Home equity&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Construction&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Other&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Total&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Pass&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;392,572&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;176,532&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;41,471&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;25,421&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;635,996&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Special Mention&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,267&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;775&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;261&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;3,303&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Substandard&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;3,406&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,431&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;51&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;5,888&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Doubtful&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Loss&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;398,245&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;179,738&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;41,471&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;25,733&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;645,187&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="3" style="width: 7%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&amp;#160;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="10" style="border-bottom: Black 1pt solid; width: 20%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;December 31, 2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Real estate&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Home equity&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Construction&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Other&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Total&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Pass&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;314,586&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;162,626&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;37,925&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;23,586&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;538,723&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Special Mention&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,792&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;864&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;139&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,795&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Substandard&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4,565&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,447&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;97&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7,109&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Doubtful&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Loss&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;320,943&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;165,937&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;37,925&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;23,822&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;548,627&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&#13;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Nonperforming assets&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The following table shows the nonperforming&#13;assets and the related percentage of nonperforming assets to total assets and gross loans. Generally, a loan is placed on nonaccrual&#13;status when it becomes 90 days past due as to principal or interest, or when we believe, after considering economic and business&#13;conditions and collection efforts, that the borrower&amp;#8217;s financial condition is such that collection of the contractual principal&#13;or interest on the loan is doubtful. A payment of interest on a loan that is classified as nonaccrual is recognized as a reduction&#13;in principal when received.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse"&gt;&#13;&#13;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 93%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="4" style="border-top: Black 1.5pt solid; width: 6%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&amp;#160;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 93%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/td&gt;&#13;&#13;   &lt;td colspan="4" style="border-bottom: Black 1pt solid; width: 6%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 93%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 93%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Commercial&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 93%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Owner occupied RE&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 93%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Non-owner occupied RE&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;188&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;210&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 93%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Construction&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 93%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Business&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;235&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;81&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 93%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Consumer&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 93%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Real estate&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,829&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,980&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 93%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Home equity&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;431&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,006&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 93%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Construction&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 93%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Other&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;12&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 93%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Nonaccruing troubled debt restructurings&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4,111&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,541&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 93%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total nonaccrual loans, including nonaccruing TDRs&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;6,794&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;5,830&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 93%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Other real estate owned&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 93%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total nonperforming assets&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;6,794&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;5,830&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 93%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Nonperforming assets as a percentage of:&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 93%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Total assets&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;0.30%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;0.31%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 93%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Gross loans&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;0.35%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;0.35%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 93%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total loans over 90 days past due&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,038&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;458&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 93%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Loans over 90 days past due and still accruing&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 93%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Accruing TDRs&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;5,219&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;6,742&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&#13;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;Foregone interest income on the nonaccrual loans for the year ended December 31, 2019 was approximately $23,000 and approximately $53,000 for the same period in 2018.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Impaired Loans&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The table below summarizes key information for impaired loans. Our impaired loans include loans on nonaccrual status and loans modified in a TDR, whether on accrual or nonaccrual status. These impaired loans may have estimated impairment which is included in the allowance for loan losses. Our commercial and consumer impaired loans are evaluated individually to determine the related allowance for loan losses.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse"&gt;&#13;&#13;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="3" style="border-top: Black 1.5pt solid; width: 7%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&amp;#160;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="3" style="border-bottom: Black 1pt solid; width: 7%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;December 31, 2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="3" style="border-bottom: Black 1pt solid; width: 7%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Recorded investment&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Impaired loans&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Impaired loans&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Unpaid&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;with no related&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;with related&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Related&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Principal&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Impaired&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;allowance for&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;allowance for&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;allowance for&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Balance&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;loans&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;loan losses&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;loan losses&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;loan losses&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Commercial&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Owner occupied RE&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,791&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,726&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,270&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;456&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;75&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Non-owner occupied RE&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4,512&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4,051&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,419&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,632&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;465&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Construction&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Business&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,620&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,531&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;558&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;973&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;452&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 30pt; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total commercial&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;8,923&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;8,308&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;5,247&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;3,061&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13; 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border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,082&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;364&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Home equity&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;885&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;838&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;459&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13; 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white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Other&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13; 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background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; padding-left: 45pt; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;12,682&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;12,013&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7,344&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4,669&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,438&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&#13;&#13;&#13;&lt;p style="text-align: center"&gt;&lt;/p&gt;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse"&gt;&#13;&#13;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="3" style="border-top: Black 1.5pt solid; width: 7%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&amp;#160;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="3" style="border-bottom: Black 1pt solid; width: 7%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;December 31, 2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="3" style="border-bottom: Black 1pt solid; width: 7%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Recorded investment&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Impaired loans&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Impaired loans&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Unpaid&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;with no related&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;with related&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Related&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Principal&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Impaired&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;allowance for&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;allowance for&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;allowance for&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Balance&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;loans&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;loan losses&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;loan losses&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;loan losses&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Commercial&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Owner occupied RE&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,827&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,762&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,311&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;451&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;75&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Non-owner occupied RE&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;3,321&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13; 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border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,005&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;895&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 30pt; 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text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Other&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;170&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;170&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;170&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;30&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 30pt; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total consumer&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;5,098&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4,483&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,915&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,568&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;486&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; padding-left: 45pt; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;14,991&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;12,572&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;6,344&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;6,228&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,014&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&#13;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The following table provides the average recorded investment in impaired loans and the amount of interest income recognized on impaired loans after impairment by portfolio segment and class.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt"&gt;&#13;&#13;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td colspan="14" style="border-top: Black 1.5pt solid; width: 100%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&amp;#160;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 75%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="12" style="border-bottom: Black 1pt solid; width: 24%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Year ended December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 75%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="4" style="border-bottom: Black 1pt solid; width: 8%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="3" style="border-bottom: Black 1pt solid; width: 7%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="3" style="border-bottom: Black 1pt solid; width: 7%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2017&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 75%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Average&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Recognized&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Average&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Recognized&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Average&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&amp;#160;&amp;#160;&amp;#160; &lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Recognized&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 75%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;recorded&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;interest&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;recorded&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;interest&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;recorded&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;interest&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 75%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;investment&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;income&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;investment&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;income&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;investment&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;income&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 75%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Commercial&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&amp;#160;&amp;#160;&amp;#160; &lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 75%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Owner occupied RE&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,739&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;128&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,784&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;142&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,255&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;104&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 75%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Non-owner occupied RE&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4,161&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;255&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,860&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;174&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4,144&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;199&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 75%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Construction&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 75%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Business&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,582&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;79&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,883&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;162&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,823&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;162&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 30pt; width: 75%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total commercial&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;8,482&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;462&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;8,527&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;478&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;9,222&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;465&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 75%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Consumer&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 75%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Real estate&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,771&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;131&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,930&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;151&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,047&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;69&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 75%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Home equity&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;853&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;42&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,453&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;99&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,576&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;97&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 75%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Construction&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 75%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Other&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;153&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;5&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;174&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;5&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;174&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;6&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 30pt; width: 75%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total consumer&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;3,777&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;178&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4,557&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;255&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;3,797&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;172&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; padding-left: 45pt; width: 75%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;12,259&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;640&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;13,084&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;733&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;13,019&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;637&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&#13;&#13;&#13;&#13;&#13;&lt;p style="text-align: center"&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Allowance for Loan Losses&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The following table summarizes the activity related to our allowance for loan losses:&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse"&gt;&#13;&#13;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 85%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="8" style="border-top: Black 1.5pt solid; width: 13%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&amp;#160;&lt;/font&gt;&lt;/b&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 85%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="8" style="border-bottom: Black 1pt solid; width: 13%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Year ended December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 85%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2017&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 85%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Balance, beginning of period&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;15,762&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;15,523&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;14,855&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 85%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Provision for loan losses&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,300&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,900&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,000&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 85%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Loan charge-offs:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 85%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Commercial&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-width: medium; border-style: none; padding-left: 15pt; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-width: medium; border-style: none; padding-left: 15pt; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-width: medium; border-style: none; padding-left: 15pt; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 85%; white-space: nowrap; text-align: left; padding-left: 30pt"&gt;&lt;font style="font: x-small Arial"&gt;Owner occupied RE&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(110&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 85%; white-space: nowrap; text-align: left; padding-left: 30pt"&gt;&lt;font style="font: x-small Arial"&gt;Non-owner occupied RE&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(239&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(432&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(589&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 85%; white-space: nowrap; text-align: left; padding-left: 30pt"&gt;&lt;font style="font: x-small Arial"&gt;Construction&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 30pt; width: 85%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Business&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(910&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(695&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(638&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 45pt; width: 85%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total commercial&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(1,259&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(1,127&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(1,227&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 85%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Consumer&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-width: medium; border-style: none; padding-left: 15pt; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-width: medium; border-style: none; padding-left: 15pt; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-width: medium; border-style: none; padding-left: 15pt; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 85%; white-space: nowrap; text-align: left; padding-left: 30pt"&gt;&lt;font style="font: x-small Arial"&gt;Real estate&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(749&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 85%; white-space: nowrap; text-align: left; padding-left: 30pt"&gt;&lt;font style="font: x-small Arial"&gt;Home equity&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(174&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(217&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(400&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 85%; white-space: nowrap; text-align: left; padding-left: 30pt"&gt;&lt;font style="font: x-small Arial"&gt;Construction&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 30pt; width: 85%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Other&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(82&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(53&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(11&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 45pt; width: 85%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total consumer&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(256&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(1,019&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(411&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 60pt; width: 85%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total loan charge-offs&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(1,515&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(2,146&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(1,638&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 85%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Loan recoveries:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 85%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Commercial&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-width: medium; border-style: none; padding-left: 15pt; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-width: medium; border-style: none; padding-left: 15pt; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-width: medium; border-style: none; padding-left: 15pt; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 85%; white-space: nowrap; text-align: left; padding-left: 30pt"&gt;&lt;font style="font: x-small Arial"&gt;Owner occupied RE&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 85%; white-space: nowrap; text-align: left; padding-left: 30pt"&gt;&lt;font style="font: x-small Arial"&gt;Non-owner occupied RE&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;132&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;119&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 85%; white-space: nowrap; text-align: left; padding-left: 30pt"&gt;&lt;font style="font: x-small Arial"&gt;Construction&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 30pt; width: 85%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Business&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;43&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;229&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;86&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 45pt; width: 85%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total commercial&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;45&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;361&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;205&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 85%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Consumer&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-width: medium; border-style: none; padding-left: 15pt; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-width: medium; border-style: none; padding-left: 15pt; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-width: medium; border-style: none; padding-left: 15pt; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 85%; white-space: nowrap; text-align: left; padding-left: 30pt"&gt;&lt;font style="font: x-small Arial"&gt;Real estate&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;37&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;5&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;86&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 85%; white-space: nowrap; text-align: left; padding-left: 30pt"&gt;&lt;font style="font: x-small Arial"&gt;Home equity&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;115&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;13&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 85%; white-space: nowrap; text-align: left; padding-left: 30pt"&gt;&lt;font style="font: x-small Arial"&gt;Construction&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 30pt; width: 85%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Other&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;11&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 45pt; width: 85%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total consumer&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;50&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;124&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;101&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 60pt; width: 85%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total recoveries&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;95&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;485&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;306&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 75pt; width: 85%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Net loan charge-offs&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(1,420&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(1,661&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(1,332&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 85%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Balance, end of period&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;16,642&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;15,762&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;15,523&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&#13;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The following tables summarize the activity in the allowance for loan losses by our commercial and consumer portfolio segments.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 100%"&gt;&#13;&#13;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 81%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="4" style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&amp;#160;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="8" style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Year ended December 31, 2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Commercial&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Consumer&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Total&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Balance, beginning of period&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;10,768&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4,994&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/font&gt;&lt;/td&gt;&#13;&#13;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;15,762&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Provision&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,818&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;482&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,300&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Loan charge-offs&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(1,259&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(256&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(1,515&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 15pt; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Loan recoveries&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;45&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;50&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;95&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 30pt; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Net loan charge-offs&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(1,214&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(206&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(1,420&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Balance, end of period&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;11,372&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;5,270&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;16,642&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr&gt;&#13;&#13;   &lt;td colspan="11"&gt;&amp;#160;&amp;#160; &lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="8" style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Year ended December 31, 2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Commercial&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Consumer&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Total&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Balance, beginning of period&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;9,937&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;5,586&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;15,523&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Provision&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,597&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;303&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,900&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Loan charge-offs&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(1,127&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(1,019&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(2,146&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 15pt; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Loan recoveries&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;361&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;124&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;485&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 30pt; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Net loan charge-offs&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(766&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(895&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(1,661&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Balance, end of period&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;10,768&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4,994&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;15,762&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&#13;&#13;&#13;&lt;p style="text-align: center"&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The following table disaggregates our allowance for loan losses and recorded investment in loans by method of impairment evaluation.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse"&gt;&#13;&#13;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 75%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&amp;#160;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="3" style="border-top: Black 1.5pt solid; width: 7%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 75%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="12" style="border-bottom: Black 1pt solid; width: 24%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;December 31, 2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 75%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="6" style="border-bottom: Black 1pt solid; width: 12%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Allowance for loan losses&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="5" style="border-bottom: Black 1pt solid; width: 11%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Recorded investment in loans&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 75%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Commercial&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Consumer&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Total&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Commercial&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Consumer&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Total&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 75%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Individually evaluated&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;992&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;446&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,438&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;8,308&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;3,705&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;12,013&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 75%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Collectively evaluated&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;10,380&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4,824&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;15,204&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,290,030&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;641,482&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,931,512&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; padding-left: 15pt; width: 75%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;11,372&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;5,270&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;16,642&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,298,338&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;645,187&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,943,525&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr&gt;&#13;&#13;   &lt;td colspan="14" style="width: 100%"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 75%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="12" style="border-bottom: Black 1pt solid; width: 24%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;December 31, 2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 75%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="6" style="border-bottom: Black 1pt solid; width: 12%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Allowance for loan losses&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black medium none; border-right: Black medium none; border-left: Black medium none; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="5" style="border-bottom: Black 1pt solid; width: 11%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Recorded investment in loans&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 75%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Commercial&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Consumer&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Total&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Commercial&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Consumer&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Total&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 75%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Individually evaluated&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,528&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;486&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,014&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;8,089&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4,483&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;12,572&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 75%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Collectively evaluated&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;9,240&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4,508&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;13,748&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,120,616&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;544,144&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,664,760&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; padding-left: 15pt; width: 75%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;10,768&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4,994&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;15,762&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,128,705&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;548,627&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,677,332&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:LoansNotesTradeAndOtherReceivablesDisclosureTextBlock>
    <sfst:TroubledDebtRestructuringTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;NOTE 5 &amp;#8211; Troubled Debt Restructurings&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;At December 31, 2019, we had 19 loans totaling $9.3 million and at December 31, 2018 we had 26 loans totaling $9.3 million, which we considered as TDRs. The Company considers a loan to be a TDR when the debtor experiences financial difficulties and the Company grants a concession to the debtor that it would not normally consider. Concessions can relate to the contractual interest rate, maturity date, or payment structure of the note. As part of our workout plan for individual loan relationships, we may restructure loan terms to assist borrowers facing challenges in the current economic environment. During 2019, we have added one commercial loan totaling $1.8 million as TDRs and removed nine loans from TDR status due to pay-offs or in accordance with our nonperforming loans and TDR policies. To date, we have restored five nonaccrual commercial loans previously classified as TDRs to accrual status.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The following table summarizes the concession at the time of modification and the recorded investment in our TDRs before and after their modification.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse"&gt;&#13;&#13;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 77%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="7" style="border-top: Black 1.5pt solid; width: 10%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&amp;#160;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 77%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="15" style="border-bottom: Black 1pt solid; width: 22%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;For the year ended December 31, 2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 77%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Pre-&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Post-&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 77%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;modification&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;modification&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 77%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Renewals&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Reduced&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Converted&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Maturity&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Total&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;outstanding&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;outstanding&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 77%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;deemed a&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;or deferred&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;to interest&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;date&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;number&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;recorded&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;recorded&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 77%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;concession&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;payments&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;only&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;extensions&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;of loans&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;investment&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Investment&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 77%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Commercial&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 77%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Business&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160; $&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,823&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,823&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; padding-left: 30pt; width: 77%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total loans&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,823&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,823&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr&gt;&#13;&#13;   &lt;td colspan="17" style="width: 100%"&gt;&amp;#160; &lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 77%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="15" style="border-bottom: Black 1pt solid; width: 22%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;For the year ended December 31, 2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 77%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Pre-&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Post-&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 77%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;modification&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;modification&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 77%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Renewals&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Reduced&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Converted&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Maturity&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Total&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;outstanding&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;outstanding&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 77%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;deemed a&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;or deferred&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;to interest&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;date&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;number&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;recorded&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;recorded&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 77%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;concession&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;payments&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;only&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;extensions&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;of loans&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;investment&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Investment&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 77%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Commercial&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 77%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Owner occupied RE&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;506&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;592&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 77%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Non-owner occupied RE&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,287&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,287&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 77%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Business&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,207&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,532&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 77%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Consumer&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 77%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Real estate&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;549&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;669&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; padding-left: 30pt; width: 77%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total loans&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;8&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;3,549&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4,080&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&#13;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;As of December 31, 2019 and 2018 there were&#13;no loans modified as TDRs for which there was a payment default (60 days past due) within 12 months of the restructuring date.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</sfst:TroubledDebtRestructuringTextBlock>
    <us-gaap:PropertyPlantAndEquipmentDisclosureTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;NOTE 6 &amp;#8211; Property and Equipment&lt;/font&gt;&lt;/b&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;Property and equipment are stated at cost less accumulated depreciation. Components of property and equipment included in the consolidated balance sheets are as follows:&lt;/font&gt;&lt;/p&gt; &#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 100%"&gt; &#13; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="border-top: #000000 1.5pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="border-top: #000000 1.5pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td colspan="6" style="border-top: #000000 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td colspan="5" style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td colspan="2" style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt; &#13;   &lt;td style="width: 93%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Land&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; vertical-align: middle"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;11,531&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;6,827&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Buildings&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="white-space: nowrap; text-align: right; vertical-align: middle"&gt;&lt;/td&gt; &#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;24,136&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;24,064&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt; &#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Leasehold improvements&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="white-space: nowrap; text-align: right; vertical-align: middle"&gt;&lt;/td&gt; &#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4,486&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,899&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Furniture and equipment&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="white-space: nowrap; text-align: right; vertical-align: middle"&gt;&lt;/td&gt; &#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;10,219&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;8,890&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt; &#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Software&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="white-space: nowrap; text-align: right; vertical-align: middle"&gt;&lt;/td&gt; &#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;367&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;329&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom"&gt;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Construction in process &lt;/font&gt;&lt;/td&gt;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="white-space: nowrap; text-align: right; vertical-align: middle"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;939&lt;/font&gt;&lt;/td&gt;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;281&lt;/font&gt;&lt;/td&gt;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;   &lt;td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Accumulated depreciation and amortization &lt;/font&gt;&lt;/td&gt;&#13;   &lt;td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right; vertical-align: middle"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(12,705&lt;/font&gt;&lt;/td&gt;&#13;   &lt;td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;   &lt;td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(10,860&lt;/font&gt;&lt;/td&gt;&#13;   &lt;td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Property and equipment, excluding ROU assets&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="white-space: nowrap; text-align: right; vertical-align: middle"&gt;&lt;/td&gt; &#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;38,973&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;32,430&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;ROU assets &lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right; vertical-align: middle"&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;19,505&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="border-bottom: #000000 1.5pt solid; padding-left: 15pt; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total property and equipment&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1.5pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1.5pt solid; white-space: nowrap; text-align: right; vertical-align: middle"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1.5pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;58,478&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1.5pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1.5pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1.5pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;32,430&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1.5pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &#13; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;During 2019, the Company purchased property for the construction of a new bank headquarters in Greenville, South Carolina which resulted in a $4.7 million increase in land.&lt;/font&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;Construction in process at December 31, 2019 included costs associated with the new bank headquarters, while the balance at December 31, 2018 included costs associated with the upfit of leased office space in Greensboro, North Carolina. Depreciation and amortization expense for the years ended December 31, 2019 and 2018 was $1.9 million and $1.8 million, respectively. Depreciation and amortization are charged to operations utilizing a straight-line method over the estimated useful lives of the assets. The estimated useful lives for the principal items follow:&lt;/font&gt;&lt;/p&gt; &#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse"&gt; &#13; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="width: 49%; white-space: nowrap; text-align: left; border-top: #000000 1.5pt solid"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-top: #000000 1.5pt solid"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-top: #000000 1.5pt solid"&gt;&amp;#160;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="width: 49%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Type of Asset&lt;/font&gt;&lt;/b&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Life in Years&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt; &#13;   &lt;td style="width: 49%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Software&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;3&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="width: 49%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Furniture and equipment&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;5 to 7&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt; &#13;   &lt;td style="width: 49%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Leasehold improvements&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;5 to 15&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="width: 49%; white-space: nowrap; text-align: left; border-bottom: #000000 1.5pt solid"&gt;&lt;font style="font: x-small Arial"&gt;Buildings&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1.5pt solid"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1.5pt solid"&gt;&lt;font style="font: x-small Arial"&gt;40&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:PropertyPlantAndEquipmentDisclosureTextBlock>
    <us-gaap:LesseeOperatingLeasesTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;NOTE 7 &amp;#8211; Leases&lt;/font&gt;&lt;/b&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;Effective January 1, 2019, the Company adopted ASU 2016-02, &amp;#8220;Leases (Topic 842)&amp;#8221;. As of December 31, 2019, we lease seven of our offices under various operating lease agreements. The lease agreements have maturity dates ranging from February 2022 to October 2029, some of which include options for multiple five-year extensions. The weighted average remaining life of the lease term for these leases was 7.97 years as of December 31, 2019.&lt;/font&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The discount rate used in determining the lease liability for each individual lease was the FHLB fixed advance rate which corresponded with the remaining lease term as of January 1, 2019 for leases that existed at adoption and as of the lease commencement date for leases subsequently entered in to. The weighted average discount rate for leases was 2.86% as of December 31, 2019.&lt;/font&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;Total operating lease costs were $2.2 million&#13;and $1.8 million for the years ended December 31, 2019 and 2018, respectively. The right-of-use asset, included in property and&#13;equipment, and lease liabilities, included in other liabilities, were $19.5 million and $20.1 million as of December 31, 2019,&#13;respectively. The right-of-use asset and lease liability are recognized at lease commencement by calculating the present value&#13;of lease payments over the lease term.&lt;/font&gt;&lt;/p&gt;&#13;&#13; &#13;&lt;p style="text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Maturities of lease liabilities as of December 31, 2019 were as follows:&lt;/font&gt;&lt;/p&gt; &#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse"&gt; &#13; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="width: 97%; white-space: nowrap; text-align: left; border-top: #000000 1.5pt solid"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-top: #000000 1.5pt solid"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-top: #000000 1.5pt solid"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-top: #000000 1.5pt solid"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="width: 97%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt; &#13;   &lt;td colspan="2" style="width: 2%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Operating&lt;br /&gt;Leases&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt; &#13;   &lt;td style="width: 97%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;2020&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,103&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="width: 97%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;2021&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,152&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt; &#13;   &lt;td style="width: 97%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;2022&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,400&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="width: 97%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;2023&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,273&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt; &#13;   &lt;td style="width: 97%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;2024&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,305&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="width: 97%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid"&gt;&lt;font style="font: x-small Arial"&gt;Thereafter&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"&gt;&lt;font style="font: x-small Arial"&gt;17,404&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt; &#13;   &lt;td style="width: 97%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Total undiscounted lease payments&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;25,637&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="width: 97%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid"&gt;&lt;font style="font: x-small Arial"&gt;Discount effect of cash flows&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"&gt;&lt;font style="font: x-small Arial"&gt;5,549&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt; &#13;   &lt;td style="border-bottom: #000000 1.5pt solid; padding-left: 15pt; width: 97%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total lease liability&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1.5pt solid"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1.5pt solid"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1.5pt solid"&gt;&lt;font style="font: x-small Arial"&gt;20,088&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:LesseeOperatingLeasesTextBlock>
    <us-gaap:RealEstateOwnedTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;NOTE 8 &amp;#8211; Other Real Estate Owned&lt;/font&gt;&lt;/b&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;Other real estate owned is comprised of real estate acquired in settlement of loans and is included in other assets on the balance sheet. At December 31, 2019 and 2018, there was no other real estate owned. The following summarizes the activity in the real estate acquired in settlement of loans portion of other real estate owned:&lt;/font&gt;&lt;/p&gt; &#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse"&gt;&#13;&#13;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 93%; white-space: nowrap; text-align: left; border-top: #000000 1.5pt solid"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-top: #000000 1.5pt solid"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="5" style="width: 5%; white-space: nowrap; text-align: left; border-top: #000000 1.5pt solid"&gt;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-top: #000000 1.5pt solid"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 93%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="5" style="width: 5%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;For the year ended December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 93%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 2%; text-align: right; border-bottom: #000000 1pt solid"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 2%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 93%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Balance, beginning of year&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;242&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 93%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Additions&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 93%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Sales&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(125&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 93%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid"&gt;&lt;font style="font: x-small Arial"&gt;Write-downs, net&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"&gt;&lt;font style="font: x-small Arial"&gt;(117&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 93%; white-space: nowrap; text-align: left; border-bottom: #000000 1.5pt solid"&gt;&lt;font style="font: x-small Arial"&gt;Balance, end of year&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-bottom: #000000 1.5pt solid"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1.5pt solid"&gt;&lt;font style="font: x-small Arial"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1.5pt solid"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-bottom: #000000 1.5pt solid"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1.5pt solid"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1.5pt solid"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:RealEstateOwnedTextBlock>
    <us-gaap:DepositLiabilitiesDisclosuresTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;NOTE 9 &amp;#8211; Deposits&lt;/font&gt;&lt;/b&gt;&lt;/p&gt; &#13;&lt;p style="text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;The following is a detail of the deposit accounts:&lt;/font&gt;&lt;/p&gt; &#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse"&gt; &#13; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="width: 95%; white-space: nowrap; text-align: left; border-top: #000000 1.5pt solid"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-top: #000000 1.5pt solid"&gt;&lt;/td&gt; &#13;   &lt;td colspan="4" style="width: 4%; white-space: nowrap; text-align: right; border-top: #000000 1.5pt solid"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="width: 95%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td colspan="4" style="width: 4%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="width: 95%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt; &#13;   &lt;td colspan="2" style="width: 2%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt; &#13;   &lt;td style="width: 95%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Noninterest bearing&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;397,331&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;346,570&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="width: 95%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Interest bearing:&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt; &#13;   &lt;td style="width: 95%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;NOW accounts&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;228,680&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;186,795&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="width: 95%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Money market accounts&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;898,923&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;730,765&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt; &#13;   &lt;td style="width: 95%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Savings&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;16,258&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;15,486&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="width: 95%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Time, less than $100,000&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;47,941&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;63,073&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; padding-left: 15pt; width: 95%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Time, $100,000 and over&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"&gt;&lt;font style="font: x-small Arial"&gt;286,991&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"&gt;&lt;font style="font: x-small Arial"&gt;305,447&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="border-bottom: #000000 1.5pt solid; padding-left: 30pt; width: 95%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total deposits&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-bottom: #000000 1.5pt solid"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1.5pt solid"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1.5pt solid"&gt;&lt;font style="font: x-small Arial"&gt;1,876,124&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1.5pt solid"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1.5pt solid"&gt;&lt;font style="font: x-small Arial"&gt;1,648,136&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &#13; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;At December 31, 2019 and 2018, time deposits greater than $250,000 were $220.1 million and $214.0 million, respectively.&lt;/font&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;Also, at December 31, 2019 and 2018, the Company&#13;had approximately $67.4 million and $79.3 million, respectively, of time deposits that were obtained outside of the Company&amp;#8217;s&#13;primary market. Interest expense on time deposits greater than $100,000 was $6.9 million for the year ended December 31, 2019,&#13;$4.7 million for the year ended December 31, 2018, and $2.7 million for the year ended December 31, 2017.&lt;/font&gt;&lt;/p&gt;&#13;&#13; &#13;&lt;p style="text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;At December 31, 2019 the scheduled maturities of certificates of deposit are as follows:&lt;/font&gt;&lt;/p&gt; &#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse"&gt; &#13; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="width: 97%; white-space: nowrap; text-align: left; border-top: #000000 1.5pt solid"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-top: #000000 1.5pt solid"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-top: #000000 1.5pt solid"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-top: #000000 1.5pt solid"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="border-bottom: Black 1pt solid; width: 97%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt; &#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt; &#13;   &lt;td style="width: 97%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;2020&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;277,342&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="width: 97%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;2021&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;38,528&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt; &#13;   &lt;td style="width: 97%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;2022&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;10,783&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="width: 97%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;2023&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;6,133&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt; &#13;   &lt;td style="border-bottom: Black 1px solid; width: 97%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;2024 and after&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: Black 1px solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: Black 1px solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: Black 1px solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,146&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 97%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;334,932&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:DepositLiabilitiesDisclosuresTextBlock>
    <sfst:FederalHomeLoanBankAdvancesAndRepurchaseAgreementsTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;NOTE 10 &amp;#8211; Federal Home Loan Bank Advances and Other Borrowings&lt;/font&gt;&lt;/b&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;At December 31, 2019 and 2018, the Company had $110.0 million and $50.0 million in FHLB Advances, respectively.&lt;/font&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The FHLB advances are secured with approximately $716.0 million of mortgage loans and $6.4 million of stock in the FHLB. During the fourth quarter of 2019, the Company paid off $25.0 million of fixed rate FHLB advances with an average cost of 3.36% and incurred a loss on extinguishment of debt of $1.5 million.&lt;/font&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;Listed below is a summary of the terms and maturities of the advances outstanding at December 31, 2019 and 2018. The $110.0 million outstanding at December 31, 2019 was at a variable rate.&lt;/font&gt;&lt;/p&gt; &#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse"&gt; &#13; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="width: 90%; white-space: nowrap; text-align: left; border-top: #000000 1.5pt solid"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-top: #000000 1.5pt solid"&gt;&lt;/td&gt; &#13;   &lt;td colspan="9" style="width: 9%; white-space: nowrap; text-align: right; border-top: #000000 1.5pt solid"&gt;&amp;#160;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="width: 90%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td colspan="9" style="width: 9%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="width: 90%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="width: 90%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Maturity&lt;/font&gt;&lt;/b&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"&gt;&lt;font style="font: xx-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Amount&lt;/font&gt;&lt;/b&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"&gt;&lt;font style="font: xx-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Rate&lt;/font&gt;&lt;/b&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"&gt;&lt;font style="font: xx-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Amount&lt;/font&gt;&lt;/b&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"&gt;&lt;font style="font: xx-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Rate&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt; &#13;   &lt;td style="width: 90%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;December 31, 2019&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-%&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;25,000&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2.65&lt;/font&gt;&lt;font style="font: x-small Arial"&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="width: 90%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;July 7, 2022&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-%&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;10,000&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;3.11&lt;/font&gt;&lt;font style="font: x-small Arial"&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt; &#13;   &lt;td style="width: 90%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;July 7, 2023&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-%&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;15,000&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;3.53&lt;/font&gt;&lt;font style="font: x-small Arial"&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="border-bottom: Black 1px solid; width: 90%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;December 31, 2020&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: Black 1px solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: Black 1px solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: Black 1px solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;110,000&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: Black 1px solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: Black 1px solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1.78&lt;/font&gt;&lt;font style="font: x-small Arial"&gt;%&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: Black 1px solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: Black 1px solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: Black 1px solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: Black 1px solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: Black 1px solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt; &#13;   &lt;td style="width: 90%; white-space: nowrap; text-align: left; border-bottom: #000000 1.5pt solid"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1.5pt solid"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1.5pt solid"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1.5pt solid"&gt;&lt;font style="font: x-small Arial"&gt;110,000&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1.5pt solid"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1.5pt solid"&gt;&lt;font style="font: x-small Arial"&gt;1.78&lt;/font&gt;&lt;font style="font: x-small Arial"&gt;%&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1.5pt solid"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1.5pt solid"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1.5pt solid"&gt;&lt;font style="font: x-small Arial"&gt;50,000&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1.5pt solid"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1.5pt solid"&gt;&lt;font style="font: x-small Arial"&gt;3.01&lt;/font&gt;&lt;font style="font: x-small Arial"&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &#13; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The Company also has an unsecured, interest only line of credit for $15 million with another financial institution which was unused at December 31, 2019. The line of credit bears interest at LIBOR plus 2.50% and matures on June 30, 2020. The loan agreement contains various financial covenants related to capital, earnings and asset quality.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</sfst:FederalHomeLoanBankAdvancesAndRepurchaseAgreementsTextBlock>
    <sfst:JuniorSubordinatedDebenturesTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;NOTE 11 &amp;#8211; Subordinated Debentures&lt;/font&gt;&lt;/b&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;On June 26, 2003, Greenville First Statutory Trust I (a non-consolidated subsidiary) issued $6.0 million floating rate trust preferred securities with a maturity of June 26, 2033. At December 31, 2019, the interest rate was 5.05% and is indexed to the 3-month LIBOR rate plus 3.10% and adjusted quarterly. The Company received from the Trust the $6.0 million proceeds from the issuance of the securities and the $186,000 initial proceeds from the capital investment in the Trust, and accordingly has shown the funds due to the Trust as $6.2 million junior subordinated debentures.&lt;/font&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;On December 22, 2005, Greenville First Statutory Trust II (a non-consolidated subsidiary) issued $7.0 million floating rate trust preferred securities with a maturity of December 22, 2035. At December 31, 2019, the interest rate was 3.40% and is indexed to the 3-month LIBOR rate plus 1.44% and adjusted quarterly. The Company received from the Trust the $7.0 million proceeds from the issuance of the securities and the $217,000 initial proceeds from the capital investment in the Trust, and accordingly has shown the funds due to the Trust as $7.2 million junior subordinated debentures.&lt;/font&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The current regulatory rules allow certain&#13;amounts of junior subordinated debentures to be included in the calculation of regulatory capital. However, provisions within&#13;the Dodd-Frank Act prohibit institutions that had more than $15 billion in assets on December 31, 2009 from including trust preferred&#13;securities as Tier 1 capital beginning in 2013, with one-third phased out over the two years ending in 2015. Financial institutions&#13;with less than $15 billion in total assets, such as the Bank, may continue to include their trust preferred securities issued&#13;prior to May 19, 2010 in Tier 1 capital, but cannot include in Tier 1 capital trust preferred securities issued after such date.&lt;/font&gt;&lt;/p&gt;&#13;&#13; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;On September 30, 2019, the Company entered into Subordinated Note Purchase Agreements (collectively, the &amp;#8220;Purchase Agreement&amp;#8221;) with certain qualified institutional buyers and accredited investors (the &amp;#8220;Purchasers&amp;#8221;) pursuant to which the Company sold and issued $23.0 million in aggregate principal amount of its 4.75% Fixed-to-Floating Rate Subordinated Notes due 2029 (the &amp;#8220;Notes&amp;#8221;). The Notes were offered and sold by the Company to eligible purchasers in a private offering in reliance on the exemption from the registration requirements of Section 4(a)(2) of the Securities Act of 1933, as amended (the &amp;#8220;Securities Act&amp;#8221;) and the provisions of Regulation D promulgated thereunder (the &amp;#8220;Private Placement&amp;#8221;). The Company intends to use the proceeds from the offering, which were approximately $22.5 million, for general corporate purposes, including providing capital to the Bank and supporting organic growth.&lt;/font&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The Notes have a ten-year term and, from and including the date of issuance to but excluding September 30, 2024, will bear interest at a fixed annual rate of 4.75%, payable semi-annually in arrears, for the first five years of the term. From and including September 30, 2024 to but excluding the maturity date or early redemption date, the interest rate shall reset quarterly to an interest rate per annum equal to a benchmark rate (which is expected to be Three-Month Term SOFR) plus 340.8 basis points, payable quarterly in arrears. As provided in the Notes, the interest rate on the Notes during the applicable floating rate period may be determined based on a rate other than Three-Month Term SOFR.&lt;/font&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The Notes are redeemable, in whole or in part, on September 30, 2024, on any interest payment date thereafter, and at any time upon the occurrence of certain events. The Purchase Agreement contains certain customary representations, warranties and covenants made by the Company, on the one hand, and the Purchasers, severally and not jointly, on the other hand.&lt;/font&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;On September 30, 2019, in connection with the sale and issuance of the Notes, the Company entered into a Registration Rights Agreement (the &amp;#8220;Registration Rights Agreement&amp;#8221;) with the Purchasers. Under the terms of the Registration Rights Agreement, the Company has agreed to take certain actions to provide for the exchange of the Notes for subordinated notes that are registered under the Securities Act and have substantially the same terms as the Notes (the &amp;#8220;Exchange Notes&amp;#8221;). Under certain circumstances, if the Company fails to meet its obligations under the Registration Rights Agreement, it would be required to pay additional interest to the holders of the Notes.&lt;/font&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The Notes were issued under an Indenture, dated September 30, 2019 (the &amp;#8220;Indenture&amp;#8221;), by and between the Company and UMB Bank, National Association, as trustee. The Notes are not subject to any sinking fund and are not convertible into or, other than with respect to the Exchange Notes, exchangeable for any other securities or assets of the Company or any of its subsidiaries. The Notes are not subject to redemption at the option of the holder. The Notes are unsecured, subordinated obligations of the Company only and are not obligations of, and are not guaranteed by, any subsidiary of the Company. The Notes rank junior in right to payment to the Company&amp;#8217;s current and future senior indebtedness. The Notes are intended to qualify as Tier 2 capital for regulatory capital purposes for the Company.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</sfst:JuniorSubordinatedDebenturesTextBlock>
    <sfst:UnusedLinesOfCreditTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;NOTE 12 &amp;#8211; Unused Lines of Credit&lt;/font&gt;&lt;/b&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;At December 31, 2019, the Company had four lines of credit to purchase federal funds that totaled $72.0 million which were unused at December 31, 2019. The lines of credit are available on a one to 14 day basis for general corporate purposes of the Company. The lender has reserved the right to withdraw the line at their option. The Company has an additional line of credit with the FHLB to borrow funds, subject to a pledge of qualified collateral. The Company has collateral that would support approximately $312.4 million in additional borrowings with the FHLB at December 31, 2019.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</sfst:UnusedLinesOfCreditTextBlock>
    <us-gaap:DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;NOTE 13 &amp;#8211; Derivative Financial Instruments&lt;/font&gt;&lt;/b&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The Company utilizes derivative financial instruments primarily to hedge its exposure to changes in interest rates. All derivative financial instruments are recognized as either assets or liabilities and measured at fair value. The Company accounts for all of its derivatives as free-standing derivatives and does not designate any of these instruments for hedge accounting. Therefore, the gain or loss resulting from the change in the fair value of the derivative is recognized in the Company&amp;#8217;s statement of income during the period of change.&lt;/font&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The Company enters into commitments to originate&#13;residential mortgage loans held for sale, at specified interest rates and within a specified period of time, with clients who&#13;have applied for a loan and meet certain credit and underwriting criteria (interest rate lock commitments). These interest rate&#13;lock commitments (&amp;#8220;IRLCs&amp;#8221;) meet the definition of a derivative financial instrument and are reflected in the balance&#13;sheet at fair value with changes in fair value recognized in current period earnings. Unrealized gains and losses on the IRLCs&#13;are recorded as derivative assets and derivative liabilities, respectively, and are measured based on the value of the underlying&#13;mortgage loan, quoted mortgage-backed securities (&amp;#8220;MBS&amp;#8221;) prices and an estimate of the probability that the mortgage&#13;loan will fund within the terms of the interest rate lock commitment, net of estimated commission expenses.&lt;/font&gt;&lt;/p&gt;&#13;&#13; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The Company manages the interest rate and price risk associated with its outstanding IRLCs and mortgage loans held for sale by entering into derivative instruments such as forward sales of MBS. Management expects these derivatives will experience changes in fair value opposite to changes in fair value of the IRLCs and mortgage loans held for sale, thereby reducing earnings volatility. The Company takes into account various factors and strategies in determining the portion of the mortgage pipeline (IRLCs and mortgage loans held for sale) it wants to economically hedge.&lt;/font&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The following table summarizes the Company&amp;#8217;s outstanding financial derivative instruments at December 31, 2019 and December 31, 2018.&lt;/font&gt;&lt;/p&gt; &#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse"&gt; &#13; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left; border-top: #000000 1.5pt solid"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-top: #000000 1.5pt solid"&gt;&lt;/td&gt; &#13;   &lt;td colspan="7" style="width: 7%; white-space: nowrap; text-align: right; border-top: #000000 1.5pt solid"&gt;&amp;#160;&amp;#160;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-top: #000000 1.5pt solid"&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td colspan="7" style="width: 7%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;December 31, 2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid"&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td colspan="2" style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid"&gt;&lt;/td&gt; &#13;   &lt;td colspan="2" style="width: 2%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Fair Value&lt;/font&gt;&lt;/b&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid"&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt; &#13;   &lt;td colspan="2" style="width: 2%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Notional&lt;/font&gt;&lt;/b&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Balance Sheet Location&lt;/font&gt;&lt;/b&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt; &#13;   &lt;td colspan="2" style="width: 2%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Asset/(Liability)&lt;/font&gt;&lt;/b&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid"&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt; &#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Mortgage loan interest rate lock commitments&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;26,446&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;Other assets&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;$&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;344&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid"&gt;&lt;font style="font: x-small Arial"&gt;MBS forward sales commitments&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"&gt;&lt;font style="font: x-small Arial"&gt;20,500&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;Other liabilities&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"&gt;&lt;font style="font: x-small Arial"&gt;(39&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt; &#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left; border-bottom: #000000 1.5pt solid"&gt;&lt;font style="font: x-small Arial"&gt;Total derivative financial instruments&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1.5pt solid"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1.5pt solid"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1.5pt solid"&gt;&lt;font style="font: x-small Arial"&gt;46,946&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-bottom: #000000 1.5pt solid"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-bottom: #000000 1.5pt solid"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1.5pt solid"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1.5pt solid"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1.5pt solid"&gt;&lt;font style="font: x-small Arial"&gt;305&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-bottom: #000000 1.5pt solid"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &lt;br /&gt;&#13; &#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse"&gt; &#13; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td colspan="7" style="width: 7%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;December 31, 2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td colspan="2" style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid"&gt;&lt;/td&gt; &#13;   &lt;td colspan="2" style="width: 2%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Fair Value&lt;/font&gt;&lt;/b&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid"&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt; &#13;   &lt;td colspan="2" style="width: 2%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Notional&lt;/font&gt;&lt;/b&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Balance Sheet Location&lt;/font&gt;&lt;/b&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt; &#13;   &lt;td colspan="2" style="width: 2%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Asset/(Liability)&lt;/font&gt;&lt;/b&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid"&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt; &#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Mortgage loan interest rate lock commitments&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;$&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;20,552&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;Other assets&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;$&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;345&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid"&gt;&lt;font style="font: x-small Arial"&gt;MBS forward sales commitments&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"&gt;&lt;font style="font: x-small Arial"&gt;11,750&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;Other liabilities&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"&gt;&lt;font style="font: x-small Arial"&gt;(121&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt; &#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left; border-bottom: #000000 1.5pt solid"&gt;&lt;font style="font: x-small Arial"&gt;Total derivative financial instruments&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1.5pt solid"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1.5pt solid"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1.5pt solid"&gt;&lt;font style="font: x-small Arial"&gt;32,302&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-bottom: #000000 1.5pt solid"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-bottom: #000000 1.5pt solid"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1.5pt solid"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1.5pt solid"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1.5pt solid"&gt;&lt;font style="font: x-small Arial"&gt;224&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock>
    <us-gaap:EarningsPerShareTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;NOTE 15 &amp;#8211; Earnings Per Common Share&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The following schedule reconciles the numerators and denominators of the basic and diluted earnings per share computations for the years ended December 31, 2019, 2018 and 2017. Dilutive common shares arise from the potentially dilutive effect of the Company&amp;#8217;s stock options and warrants that are outstanding. The assumed conversion of stock options and warrants can create a difference between basic and dilutive net income per common share.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;At December 31, 2019, 2018 and 2017, options totaling 94,885, 195,425, and 107,015, respectively, were anti-dilutive in the calculation of earnings per share as their exercise price exceeded the fair market value. These options were therefore excluded from the diluted earnings per share calculation.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse"&gt;&#13;&#13;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td colspan="7" style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 86%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="7" style="border-bottom: Black 1pt solid; width: 13%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 86%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands, except share data)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2017&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 86%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Numerator:&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 86%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Net income&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;27,858&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;22,289&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;13,045&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 86%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Net income available to common shareholders&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;27,858&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;22,289&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;13,045&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 86%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Denominator:&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 86%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Weighted-average common shares outstanding - basic&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7,528,283&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7,384,200&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7,005,703&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 86%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Common stock equivalents&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;244,261&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;353,295&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;387,674&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 86%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Weighted-average common shares outstanding - diluted&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7,772,544&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7,737,495&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7,393,377&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 86%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Earnings per common share:&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 86%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Basic&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;3.70&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;3.02&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1.86&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; padding-left: 15pt; width: 86%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Diluted&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;3.58&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2.88&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1.76&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:EarningsPerShareTextBlock>
    <us-gaap:CommitmentsAndContingenciesDisclosureTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;NOTE 16 &amp;#8211; Commitments and Contingencies&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The Company has entered into a three year employment agreement with its chief executive officer and a two year employment agreement with its president and with 12 executive vice presidents. These agreements also include a) an incentive program, b) a stock option plan, c) a one-year non-compete agreement upon termination and a severance payment equal to one year of compensation. The total estimated aggregate salary commitment is approximately $3.3 million.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The Company has an agreement with a data processor&#13;which expires in 2023 to provide certain item processing, electronic banking, and general ledger processing services. Components&#13;of this contract vary based on transaction and account volume, monthly charges and certain termination fees.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The Company may be subject to litigation and claims in the normal course of business. As of December 31, 2019, management believes there is no material litigation pending.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</us-gaap:CommitmentsAndContingenciesDisclosureTextBlock>
    <us-gaap:RelatedPartyTransactionsDisclosureTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;NOTE 18 &amp;#8211; Related Party Transactions&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;Certain directors, executive officers, and companies with which they are affiliated, are clients of and have banking transactions with the Company in the ordinary course of business. These loans were made on substantially the same terms, including interest rates and collateral, as those prevailing at the time for comparable transactions with persons not related to the lender.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;A summary of loan transactions with directors and executive officers, including their affiliates is as follows:&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse"&gt;&#13;&#13;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 89%; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="6" style="border-top: Black 1.5pt solid; width: 10%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 89%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="5" style="border-bottom: Black 1pt solid; width: 9%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;For the years ended December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 89%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 89%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Balance, beginning of year&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;13,969&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;15,276&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 89%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;New loans&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;6,709&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;5,686&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 89%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Less loan payments&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(9,787&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(6,993&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 89%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Balance, end of year&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;10,891&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;13,969&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&#13;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;Deposits by executive officers and directors and their related interests at December 31, 2019 and 2018, were $2.5 million and $2.7 million, respectively.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The Company has a land lease with a director on the property for a branch office, with monthly payments of $8,256. In addition, the Company periodically enters into various consulting agreements with the director for development, administration and advisory services related to the purchase of property and construction of current and future branch office sites, including the development of the new bank headquarters in Greenville, South Carolina. Payments totaling $600,000 were made to the director for these services during the year ended December 31, 2019. Also, the Company has previously contracted with the director to provide property management services for its four offices in the Greenville market. The Company paid the director approximately $21,000, and $38,000 for these services during 2018 and 2017, respectively.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The Company also utilizes employment recruiting services from a vendor for which one of the Company&amp;#8217;s directors is an owner and serves as the chairman of the board. The Company paid approximately $38,000 to the vendor for the year ended December 31, 2018.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The Company is of the opinion that the lease payments, consulting fees, and recruiting costs represent market costs that could have been obtained in similar &amp;#8220;arms length&amp;#8221; transactions.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</us-gaap:RelatedPartyTransactionsDisclosureTextBlock>
    <sfst:FinancialInstrumentsWithOffBalanceSheetRiskTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;NOTE 19 &amp;#8211; Financial Instruments With Off-Balance Sheet Risk&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;In the ordinary course of business, and to meet the financing needs of its clients, the Company is a party to various financial instruments with off-balance sheet risk. These financial instruments, which include commitments to extend credit and standby letters of credit, involve, to varying degrees, elements of credit and interest rate risk in excess of the amounts recognized in the balance sheets. The contract amount of those instruments reflects the extent of involvement the Company has in particular classes of financial instruments.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The Company&amp;#8217;s exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit and standby letters of credit is represented by the contractual amounts of those instruments. The Company uses the same credit policies in making commitments and conditional obligations as it does for on-balance sheet instruments.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;Commitments to extend credit are agreements&#13;to lend to a client as long as there is no violation of any material condition established in the contract. Commitments generally&#13;have fixed expiration dates or other termination clauses and may require the payment of a fee. At December 31, 2019, unfunded&#13;commitments to extend credit were approximately $426.6 million, of which $105.0 million is at fixed rates and $321.6 million is&#13;at variable rates. At December 31, 2018, unfunded commitments to extend credit were approximately $399.4 million, of which $130.5&#13;million is at fixed rates and $269.0 million is at variable rates. The Company evaluates each client&amp;#8217;s credit-worthiness&#13;on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the Company upon extension of credit, is based&#13;on management&amp;#8217;s credit evaluation of the borrower. Collateral varies but may include accounts receivable, inventory, property,&#13;plant and equipment, and commercial and residential real estate.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;At December 31, 2019 and 2018, there was a $9.9 million and $10.0 million commitment, respectively, under letters of credit. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loan facilities to clients. Collateral varies but may include accounts receivable, inventory, equipment, marketable securities and property. Since most of the letters of credit are expected to expire without being drawn upon, they do not necessarily represent future cash requirements. The fair value of off balance sheet lending commitments are based on fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the counterparties credit standing. The total fair value of such instruments is not material.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</sfst:FinancialInstrumentsWithOffBalanceSheetRiskTextBlock>
    <us-gaap:PensionAndOtherPostretirementBenefitsDisclosureTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;NOTE 20 &amp;#8211; Employee Benefit Plan&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;On January 1, 2000, the Company adopted the Southern First Bancshares, Inc. Profit Sharing and 401(k) Plan for the benefit of all eligible employees. The Company contributes to the Plan annually upon approval by the Board of Directors. Contributions made to the Plan for the years ended December 31, 2019, 2018, and 2017 amounted to $693,000, $587,000, and $476,000, respectively.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The Company also provides a nonqualified deferred compensation plan for 24 executive officers in the form of a Supplemental Executive Retirement Plan (&amp;#8220;SERP&amp;#8221;). The SERP provides retirement income for these officers. As of December 31, 2019 and 2018, the Company had an accrued benefit obligation of $6.7 million and $6.1 million, respectively. The Company incurred expenses related to this plan of $657,000, $940,000, and $792,000 in 2019, 2018, and 2017, respectively.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</us-gaap:PensionAndOtherPostretirementBenefitsDisclosureTextBlock>
    <us-gaap:DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;NOTE 21 &amp;#8211; Stock-Based Compensation&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;Compensation cost is recognized for stock options and restricted stock awards issued to employees and non-employee directors. Compensation cost is measured as the fair value of these awards on their date of grant. A Black-Scholes model is utilized to estimate the fair value of stock options, while the market price of the Company&amp;#8217;s common stock at the date of grant is used as the fair value of restricted stock awards. Compensation cost is recognized over the required service period, generally defined as the vesting period for stock option and restricted stock awards.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The Company&amp;#8217;s stock incentive programs are long-term retention programs intended to attract, retain, and provide incentives for key employees and non-employee directors in the form of incentive and non-qualified stock options and restricted stock.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;Stock-based compensation expense was recorded as follows:&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse"&gt;&#13;&#13;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td colspan="6" style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 87%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="6" style="border-bottom: Black 1pt solid; width: 12%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;For the years ended December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 87%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2017&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 87%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Stock option expense&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;&amp;#160;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,270&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,183&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;959&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 87%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Restricted stock grant expense&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;428&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;319&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;299&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 87%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total stock-based compensation expense&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,698&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,502&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,258&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&#13;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Stock Options&lt;br /&gt;&lt;/font&gt;&lt;/b&gt;&lt;font style="font: x-small Arial"&gt;On May 18, 2010, the Company adopted the 2010 Incentive Plan, making available for issuance 366,025 stock options (adjusted for the 10% stock dividends in 2013, 2012, and 2011). The options may be exercised at an exercise price per share based on the fair market value and determined on the date of grant and expire 10 years from the grant date. On May 20, 2014, the Company amended the 2010 Incentive Plan to add an additional 200,000 shares of common stock to be issuable as stock options, for a total of 566,025 shares. As of December 31, 2019, there were 9,275 options available for grant under the 2010 Incentive Plan.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;On May 17, 2016, the Company adopted the 2016&#13;Equity Incentive Plan, making available for issuance 400,000 stock options. The options may be exercised at an exercise price&#13;per share based on the fair market value and determined on the date of grant and expire 10 years from the grant date. As of December&#13;31, 2019, there were 174,715 options available for grant under the 2016 Equity Incentive Plan.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;A summary of the status of the stock option plan and changes for the period is presented below:&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 100%"&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; text-align: left; width: 76%"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right; width: 1%"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right; width: 1%"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right; width: 1%"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right; width: 1%"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right; width: 1%"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right; width: 1%"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="23" style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;For the years ended December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2017&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Weighted&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Weighted&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Weighted&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Weighted&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Average&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Weighted&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Average&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Weighted&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Average&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;average&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Remaining&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;average&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Remaining&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;average&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Remaining&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;exercise&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Contractual&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;exercise&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Contractual&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;exercise&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Contractual&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Shares&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;price&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Life&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Shares&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;price&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Life&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Shares&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;price&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Life&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;Outstanding at beginning of year&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;648,311&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;20.74&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;662,841&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;15.70&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;642,203&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;11.77&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="text-align: left; padding-left: 15pt"&gt;&lt;font style="font: xx-small Arial"&gt;Granted&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;101,350&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;32.81&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;94,700&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;43.13&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;110,950&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;35.34&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="text-align: left; padding-left: 15pt"&gt;&lt;font style="font: xx-small Arial"&gt;Exercised&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;(191,497&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;9.24&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;(105,630&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;8.51&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;(74,437&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;9.48&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 15pt; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;Forfeited or expired&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;(16,750&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;34.01&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;(3,600&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;40.03&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;(15,875&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;23.49&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;Outstanding at end of year&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;541,414&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;26.65&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;6.3 years&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;648,311&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;20.74&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;5.6 years&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;662,841&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;15.70&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;5.6 years&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;Options exercisable at year-end&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;305,991&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;20.00&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;4.9 years&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;404,851&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;12.58&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;4.0 years&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;419,766&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;9.20&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;4.1 years&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;Weighted average fair value of options granted during the year&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;11.81&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;16.76&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;14.14&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;Shares available for grant&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;183,990&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;270,090&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: xx-small Arial"&gt;359,690&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;                                              &#13;   &#13;   &#13;&lt;/table&gt;&#13;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The aggregate intrinsic value (the difference between the Company&amp;#8217;s closing stock price on the last trading day of the year and the exercise price, multiplied by the number of in-the-money options) of 541,414 and 648,311 stock options outstanding at December 31, 2019 and 2018 was $8.6 million and $8.7 million, respectively. The aggregate intrinsic value of 305,991 and 404,851 stock options exercisable at December 31, 2019 and 2018 was $6.9 million and $8.0 million, respectively.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The fair value of the option grant is estimated on the date of grant using the Black-Scholes option-pricing model. The following assumptions were used for grants:&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse"&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 94%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2017&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 94%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Dividend yield&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 94%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Expected life&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7 years&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7 years&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7 years&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 94%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Expected volatility&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;28.21%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;32.07%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;34.63%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 94%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Risk-free interest rate&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2.59%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2.50%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2.04%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;                                                                                   &#13;   &#13;   &#13;&lt;/table&gt;&#13;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;At December 31, 2019, there was $2.0 million of total unrecognized compensation cost related to nonvested stock option grants. The cost is expected to be recognized over a weighted-average period of 2.4 years. The fair value of stock option grants that vested during 2019, 2018, and 2017 was $1.2 million, $973,000 and $775,000, respectively.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Restricted Stock Grants&lt;/font&gt;&lt;/b&gt;&lt;br /&gt;&lt;font style="font: x-small Arial"&gt;On May 17, 2016, the Company adopted the 2016 Equity Incentive Plan which included a provision for the issuance of 50,000 shares of common stock to be issuable as restricted stock grants. As of December 31, 2019, 32,349 shares of restricted stock were available for grant.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;Shares of restricted stock granted to employees&#13;under the stock plans are subject to restrictions as to continuous employment for a specified time period following the date of&#13;grant. During this period, the holder is entitled to full voting rights and dividends.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;A summary of the status of the Company&amp;#8217;s nonvested restricted stock and changes for the years ended December 31, 2019, 2018, and 2017 is as follows:&lt;/font&gt;&lt;/p&gt;&#13;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse"&gt;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 82%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="17" style="border-bottom: Black 1pt solid; width: 17%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 82%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2017&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 82%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Weighted&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Weighted&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Weighted&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 82%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Average&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Average&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Average&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 82%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Restricted&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Grant-Date&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: center"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Restricted&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Grant-Date&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Restricted&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Grant-Date&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 82%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Shares&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Fair Value&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Shares&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Fair Value&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Shares&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Fair Value&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 82%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Nonvested at beginning of year&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;29,625&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;34.00&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;25,000&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;26.43&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;36,125&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;20.13&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 82%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Granted&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;14,700&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;33.64&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;13,000&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;42.87&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;6,500&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;35.14&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 82%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Vested&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(10,375&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;31.61&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(8,375&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;25.17&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(17,625&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;16.73&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 82%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Forfeited&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(1,125&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;28.03&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 82%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Nonvested at end of year&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;32,825&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;34.78&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;29,625&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;34.00&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;25,000&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;26.43&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;                                                                                   &#13;   &#13;   &#13;&lt;/table&gt;&#13;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;At December 31, 2019, there was $793,000 of total unrecognized compensation cost related to nonvested restricted stock grants. The cost is expected to be recognized over a weighted-average period of 2.6 years.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</us-gaap:DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock>
    <sfst:DividendsDisclosureTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;NOTE 22 &amp;#8211; Dividends&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The ability of the Company to pay cash dividends is dependent upon receiving cash in the form of dividends from the Bank. The dividends that may be paid by the Bank to the Company are subject to legal limitations and regulatory capital requirements.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;Also, the payment of cash dividends on the Company's common stock by the Company in the future will be subject to certain other legal and regulatory limitations (including the requirement that the Company&amp;#8217;s capital be maintained at certain minimum levels) and will be subject to ongoing review by banking regulators. The Federal Reserve has issued a policy statement regarding the payment of dividends by bank holding companies. In general, the Federal Reserve&amp;#8217;s policies provide that dividends should be paid only out of current earnings and only if the prospective rate of earnings retention by the bank holding company appears consistent with the organization&amp;#8217;s capital needs, asset quality and overall financial condition.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</sfst:DividendsDisclosureTextBlock>
    <us-gaap:SegmentReportingDisclosureTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;NOTE 24 &amp;#8211; Reportable Segments&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The Company&amp;#8217;s reportable segments represent&#13;the distinct product lines the Company offers and are viewed separately for strategic planning purposes by management. The three&#13;segments include Commercial and Retail Banking, Mortgage Banking, and Corporate Operations. The following schedule presents financial&#13;information for each reportable segment.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse"&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 87%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="12" style="border-bottom: Black 1pt solid; width: 12%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Year ended December 31, 2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 87%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Commercial&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 87%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;and Retail&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Mortgage&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Corporate&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 87%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Banking&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Banking&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Operations&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Eliminations&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Consolidated&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 87%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Interest income&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;91,923&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;729&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;13&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(13&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;92,652&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 87%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Interest expense&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;24,467&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;929&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(13&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;25,383&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 87%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Net interest income (loss)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;67,456&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;729&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(916&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;67,269&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 87%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Provision for loan losses&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,300&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,300&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 87%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Noninterest income&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;5,060&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;9,923&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;14,983&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 87%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Noninterest expense&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;37,798&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;6,435&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;240&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;44,473&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 87%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Net income (loss) before taxes&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;32,418&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4,217&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(1,156&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;35,479&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 87%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Income tax provision (benefit)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;6,978&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;886&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(243&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7,621&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 87%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Net income (loss)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;25,440&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;3,331&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(913&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;27,858&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 87%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total assets&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,239,430&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;27,356&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;242,069&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(241,660&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,267,195&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 87%; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="4" style="width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 87%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="12" style="border-bottom: Black 1pt solid; width: 12%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Year ended December 31, 2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 87%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Commercial&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 87%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;and Retail&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Mortgage&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 87%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Banking&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Banking&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Corporate&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Eliminations&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Consolidated&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 87%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Interest income&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;76,282&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;375&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;9&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(9&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;76,657&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 87%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Interest expense&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;15,922&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;592&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(9&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;16,505&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 87%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Net interest income (loss)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;60,360&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;375&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(583&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;60,152&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 87%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Provision for loan losses&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,900&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,900&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 87%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Noninterest income&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4,657&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;5,544&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;10,201&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 87%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Noninterest expense&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;35,371&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4,152&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;240&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;39,763&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 87%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Net income (loss) before taxes&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;27,746&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,767&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(823&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;28,690&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 87%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Income tax expense (benefit)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;6,185&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;389&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(173&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;6,401&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 87%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Net income (loss)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;21,561&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,378&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(650&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;22,289&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 87%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total assets&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,905,474&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;8,602&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;187,327&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(200,789&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,900,614&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;                                                                                       &#13;   &#13;   &#13;&lt;/table&gt;&#13;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;u&gt;&lt;font style="font: x-small Arial"&gt;Commercial and retail banking.&lt;/font&gt;&lt;/u&gt;&lt;font style="font: x-small Arial"&gt; The Company&amp;#8217;s primary business is to provide traditional deposit and lending products and services to its commercial and retail banking clients.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;u&gt;&lt;font style="font: x-small Arial"&gt;Mortgage banking.&lt;/font&gt;&lt;/u&gt;&lt;font style="font: x-small Arial"&gt; The mortgage banking segment provides mortgage loan origination services for loans that will be sold in the secondary market to investors.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;u&gt;&lt;font style="font: x-small Arial"&gt;Corporate operations.&lt;/font&gt;&lt;/u&gt;&lt;font style="font: x-small Arial"&gt; Corporate operations is comprised primarily of compensation and benefits for certain members of management and interest on parent company debt.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</us-gaap:SegmentReportingDisclosureTextBlock>
    <us-gaap:QuarterlyFinancialInformationTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;NOTE 26 &amp;#8211; Selected Condensed Quarterly Financial Data (Unaudited)&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&#13;&#13;&lt;div align="left"&gt;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse"&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="8" style="border-bottom: Black 1pt solid; width: 8%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="8" style="border-bottom: Black 1pt solid; width: 8%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;For the quarters ended&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 91%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands, except share data)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;March 31&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;June 30&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;September 30&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;December 31&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Interest income&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;21,612&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;23,088&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;24,056&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;23,896&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 91%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Interest expense&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;5,794&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;6,549&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;6,777&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;6,263&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Net interest income&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;15,818&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;16,539&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;17,279&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;17,633&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Provision for loan losses&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;300&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;300&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;650&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,050&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Noninterest income&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,994&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4,090&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4,396&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;3,503&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 91%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Noninterest expenses&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;10,648&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;11,368&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;11,484&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;10,973&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Income before income tax expense&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7,864&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;8,961&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;9,541&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;9,113&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 91%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Income tax expense&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,855&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,722&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,129&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,915&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 91%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Net income available to common shareholders&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;6,009&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7,239&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7,412&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7,198&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Earnings per common share&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Basic&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;0.81&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;0.97&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;0.98&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;0.94&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Diluted&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;0.78&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;0.93&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;0.95&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;0.92&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Weighted average common shares outstanding&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Basic&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7,459,342&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7,495,508&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7,548,184&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7,608,241&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; padding-left: 15pt; width: 91%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Diluted&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7,741,860&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7,756,044&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7,780,504&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7,810,922&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="8" style="border-bottom: Black 1pt solid; width: 8%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="8" style="border-bottom: Black 1pt solid; width: 8%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;For the quarters ended&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 91%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;March 31&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;June 30&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;September 30&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;December 31&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Interest income&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;17,178&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;18,535&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;19,865&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;21,079&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 91%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Interest expense&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;3,136&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;3,923&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4,364&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;5,082&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Net interest income&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;14,042&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;14,612&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;15,501&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;15,997&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Provision for loan losses&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;500&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;400&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;400&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;600&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Noninterest income&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,420&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,771&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,533&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,477&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 91%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Noninterest expenses&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;9,205&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;9,979&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;10,188&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;10,391&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Income before income tax expense&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;6,757&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7,004&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7,446&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7,483&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 91%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Income tax expense&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,543&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,494&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,664&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,700&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 91%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Net income available to common shareholders&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;5,214&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;5,510&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;5,782&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;5,783&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Earnings per common share&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Basic&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;0.71&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;0.75&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;0.78&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;0.78&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Diluted&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;0.67&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;0.71&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;0.75&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;0.75&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Weighted average common shares outstanding&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Basic&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7,336,839&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7,370,709&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7,400,174&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7,427,902&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; padding-left: 15pt; width: 91%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Diluted&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7,726,885&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7,751,146&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7,746,205&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7,725,661&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;/div&gt;</us-gaap:QuarterlyFinancialInformationTextBlock>
    <us-gaap:BasisOfAccountingPolicyPolicyTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;Basis of Presentation&lt;/font&gt;&lt;/i&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The accompanying consolidated financial statements include the accounts of the Company and its wholly owned subsidiary, Southern First Bank. In consolidation, all significant intercompany transactions have been eliminated. The accounting and reporting policies conform to accounting principles generally accepted in the United States of America. In accordance with guidance issued by the Financial Accounting Standards Board (&amp;#8220;FASB&amp;#8221;), the operations of the Trusts have not been consolidated in these financial statements.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</us-gaap:BasisOfAccountingPolicyPolicyTextBlock>
    <us-gaap:SegmentReportingPolicyPolicyTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;Business Segments&lt;/font&gt;&lt;/i&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;ASC Topic 280-10, &amp;#8220;Segment Reporting,&amp;#8221; requires selected segment information of operating segments based on a management approach. The Company&amp;#8217;s three reportable segments represent the distinct product lines the Company offers and are viewed separately for strategic planning by management. Please refer to &amp;#8220;Note 24 &amp;#8211; Reportable Segments&amp;#8221; for further information on the reporting for the Company&amp;#8217;s three business segments.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</us-gaap:SegmentReportingPolicyPolicyTextBlock>
    <us-gaap:UseOfEstimates contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;Use of Estimates&lt;/font&gt;&lt;/i&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The preparation of consolidated financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities as of the date of the consolidated financial statements and the reported amount of income and expenses during the reporting periods. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for loan losses, derivatives, real estate acquired in settlement of loans, fair value of financial instruments, evaluating other-than-temporary-impairment of investment securities and valuation of deferred tax assets.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</us-gaap:UseOfEstimates>
    <us-gaap:ConcentrationRiskCreditRisk contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;Risks and Uncertainties&lt;/font&gt;&lt;/i&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;In the normal course of its business, the Company encounters two significant types of risks: economic and regulatory. There are three main components of economic risk: interest rate risk, credit risk and market risk. The Company is subject to interest rate risk to the degree that its interest-bearing liabilities mature or reprice at different speeds, or on different bases, than its interest-earning assets. Credit risk is the risk of default within the Company&amp;#8217;s loan portfolio that results from borrowers&amp;#8217; inability or unwillingness to make contractually required payments. Market risk reflects changes in the value of collateral underlying loans receivable and the valuation of real estate held by the Company.&lt;/font&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The Company is subject to the regulations of various governmental agencies. These regulations can and do change significantly from period to period. The Company also undergoes periodic examinations by the regulatory agencies, which may subject it to changes with respect to valuation of assets, amount of required loan loss allowance and operating restrictions resulting from the regulators&amp;#8217; judgments based on information available to them at the time of their examinations.&lt;/font&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The Bank makes loans to individuals and businesses in the Upstate, Midlands, and Lowcountry regions of South Carolina as well as the Triangle and Triad regions of North Carolina and Atlanta, Georgia for various personal and commercial purposes. The Bank&amp;#8217;s loan portfolio has a concentration of real estate loans. As of December 31, 2019 and 2018, real estate loans represented 82.8% and 82.3%, respectively, of total loans. However, borrowers&amp;#8217; ability to repay their loans is not dependent upon any specific economic sector.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</us-gaap:ConcentrationRiskCreditRisk>
    <us-gaap:SubsequentEventsPolicyPolicyTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;Subsequent Events&lt;/font&gt;&lt;/i&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;Subsequent events are events or transactions&#13;that occur after the balance sheet date but before financial statements are issued. Recognized subsequent events are events or&#13;transactions that provide additional evidence about conditions that existed at the date of the balance sheet, including the estimates&#13;inherent in the process of preparing financial statements. Non-recognized subsequent events are events that provide evidence about&#13;conditions that did not exist at the date of the balance sheet but arose after that date. Management performed an evaluation to&#13;determine whether there have been any subsequent events since the balance sheet date and determined that no subsequent events&#13;occurred requiring accrual or disclosure.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</us-gaap:SubsequentEventsPolicyPolicyTextBlock>
    <us-gaap:PriorPeriodReclassificationAdjustmentDescription contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;Reclassifications&lt;/font&gt;&lt;/i&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;Certain amounts, previously reported, have been reclassified to state all periods on a comparable basis and had no effect on shareholders&amp;#8217; equity or net income.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</us-gaap:PriorPeriodReclassificationAdjustmentDescription>
    <us-gaap:CashAndCashEquivalentsPolicyTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;Cash and Cash Equivalents&lt;/font&gt;&lt;/i&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;Cash and cash equivalents include cash and due from banks, interest bearing deposits and federal funds sold. Cash and cash equivalents have original maturities of three months or less, and federal funds sold are generally purchased and sold for one-day periods. Accordingly, the carrying value of these instruments is deemed to be a reasonable estimate of fair value. At December 31, 2019 and 2018, included in cash and cash equivalents was $6.0 million and $4.9 million, respectively, on deposit with the Federal Reserve Bank.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</us-gaap:CashAndCashEquivalentsPolicyTextBlock>
    <us-gaap:InvestmentPolicyTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;Investment Securities&lt;/font&gt;&lt;/i&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;We classify our investment securities as held to maturity securities, trading securities and available for sale securities as applicable.&lt;/font&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;Investment securities are designated as held to maturity if we have the intent and the ability to hold the securities to maturity. Held to maturity securities are carried at amortized cost, adjusted for the amortization of any related premiums or the accretion of any related discounts into interest income using a methodology which approximates a level yield of interest over the estimated remaining period until maturity. Unrealized losses on held to maturity securities, reflecting a decline in value judged by us to be other than temporary, are charged to income in the Consolidated Statements of Income.&lt;/font&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;Investment securities that are purchased and held principally for the purpose of selling in the near term are reported as trading securities. Trading securities are carried at fair value with unrealized holding gains and losses included in earnings.&lt;/font&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;We classify investment securities as available for sale when at the time of purchase we determine that such securities may be sold at a future date or if we do not have the intent or ability to hold such securities to maturity. Securities designated as available for sale are recorded at fair value. Changes in the fair value of available for sale debt securities are included in shareholders&amp;#8217; equity as unrealized gains or losses, net of the related tax effect. Unrealized losses on available for sale securities, reflecting a decline in value judged to be other than temporary, are charged to income in the Consolidated Statements of Income. Realized gains or losses on available for sale securities are computed on the specific identification basis.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</us-gaap:InvestmentPolicyTextBlock>
    <sfst:OtherInvestmentsPolicyTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;Other Investments&lt;/font&gt;&lt;/i&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The Bank, as a member institution, is required to own a stock investment in the Federal Home Loan Bank of Atlanta (&amp;#8220;FHLB&amp;#8221;). This stock is generally pledged against any borrowings from the FHLB and cash dividends on our FHLB stock are recorded in investment income. No ready market exists for these stocks and they have no quoted market value. However, redemption of this stock has historically been at par value. Other investments also include a $403,000 investment in the Trusts.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</sfst:OtherInvestmentsPolicyTextBlock>
    <us-gaap:FinanceLoansAndLeasesReceivablePolicy contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;Loans&lt;/font&gt;&lt;/i&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;Loans are stated at the principal balance&#13;outstanding. Unamortized net loan fees and the allowance for possible loan losses are deducted from total loans on the balance&#13;sheets. Interest income is recognized over the term of the loan based on the principal amount outstanding. The net of loan origination&#13;fees received and direct costs incurred in the origination of loans is deferred and amortized to interest income over the contractual&#13;life of the loans adjusted for actual principal prepayments using a method approximating the interest method.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</us-gaap:FinanceLoansAndLeasesReceivablePolicy>
    <us-gaap:LoansAndLeasesReceivablePastDueStatusPolicy contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;Nonaccrual and Past Due Loans&lt;/font&gt;&lt;/i&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;Loans are generally placed on nonaccrual status when principal or interest becomes 90 days past due, or when payment in full is not anticipated. When a loan is placed on nonaccrual status, interest accrued but not received is generally reversed against interest income. Cash receipts on nonaccrual loans are not recorded as interest income, but are used to reduce the loan&amp;#8217;s principal balance. A nonaccrual loan is generally returned to accrual status and accrual of interest is resumed when payments have been made according to the terms and conditions of the loan for a continuous six month period. Our loans are considered past due when contractually required principal or interest payments have not been made on the due dates.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</us-gaap:LoansAndLeasesReceivablePastDueStatusPolicy>
    <us-gaap:LoansAndLeasesReceivableNonperformingLoanAndLeasePolicy contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;Nonperforming Assets&lt;/font&gt;&lt;/i&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;Nonperforming assets include real estate acquired through foreclosure or deed taken in lieu of foreclosure, loans on nonaccrual status and loans past due 90 days or more and still accruing interest. Loans are placed on nonaccrual status when, in the opinion of management, the collection of additional interest is uncertain. Thereafter no interest is taken into income until such time as the borrower demonstrates the ability to pay both principal and interest.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</us-gaap:LoansAndLeasesReceivableNonperformingLoanAndLeasePolicy>
    <us-gaap:ImpairedFinancingReceivablePolicyPolicyTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;Impaired Loans&lt;/font&gt;&lt;/i&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;Our impaired loans include loans on nonaccrual status and loans modified in a troubled debt restructuring (&amp;#8220;TDR&amp;#8221;), whether on accrual or nonaccrual status. For loans that are classified as impaired, an allowance is established when the fair value (discounted cash flows, collateral value, or observable market price) of the impaired loan less costs to sell, are lower than the carrying value of that loan. A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due, among other factors. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including, without limitation, the length of the delay, the reasons for the delay, the borrower's prior payment record, and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan by loan basis for commercial and consumer loans by either the present value of expected future cash flows discounted at the loan's effective interest rate, the loan's obtainable market price, or the fair value of the collateral if the loan is collateral dependent.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</us-gaap:ImpairedFinancingReceivablePolicyPolicyTextBlock>
    <sfst:LoanChargeOffPolicyPolicyTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;Loan Charge-off Policy&lt;/font&gt;&lt;/i&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;For commercial loans, we generally fully charge off or charge collateralized loans down to net realizable value when management determines the loan to be uncollectible; repayment is deemed to be projected beyond reasonable time frames; the loan has been classified as a loss by either our internal loan review process or our banking regulatory agencies; the client has filed bankruptcy and the loss becomes evident owing to a lack of assets; or the loan is 120 days past due unless both well-secured and in the process of collection. For consumer loans, we generally charge down to net realizable value when the loan is 180 days past due.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</sfst:LoanChargeOffPolicyPolicyTextBlock>
    <us-gaap:LoansAndLeasesReceivableTroubledDebtRestructuringPolicy contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;Troubled Debt Restructuring (TDRs)&lt;/font&gt;&lt;/i&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The Company considers a loan to be a TDR when the debtor experiences financial difficulties and the Company provides concessions such that we will not collect all principal and interest in accordance with the original terms of the loan agreement. Concessions can relate to the contractual interest rate, maturity date, or payment structure of the note. As part of our workout plan for individual loan relationships, we may restructure loan terms to assist borrowers facing challenges in the current economic environment.&lt;/font&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;Our policy with respect to accrual of interest&#13;on loans restructured in a TDR follows relevant supervisory guidance. That is, if a borrower has demonstrated performance under&#13;the previous loan terms and shows capacity to perform under the restructured loan terms; continued accrual of interest at the&#13;restructured interest rate is likely. If a borrower was materially delinquent on payments prior to the restructuring, but shows&#13;capacity to meet the restructured loan terms, the loan will likely continue as nonaccrual going forward. Lastly, if the borrower&#13;does not perform under the restructured terms, the loan is placed on nonaccrual status. We will continue to closely monitor these&#13;loans and will cease accruing interest on them if management believes that the borrowers may not continue performing based on&#13;the restructured note terms. If, after previously being classified as a TDR, a loan is restructured a second time and the borrower&#13;continues to experience financial difficulties, then that loan is automatically placed on nonaccrual status. Our policy with respect&#13;to nonperforming loans requires the borrower to make a minimum of six consecutive payments of principal and interest in accordance&#13;with the loan terms before that loan can be placed back on accrual status. Further, the borrower must show capacity to continue&#13;performing into the future prior to restoration of accrual status. In addition, our policy, in accordance with supervisory guidance,&#13;also provides for a loan to be removed from TDR status if the loan is modified or renewed at terms consistent with current market&#13;rates and the loan has been performing under modified terms for an extended period of time or under certain circumstances.&lt;/font&gt;&lt;/p&gt;&#13;&#13; &#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;In the determination of the allowance for loan losses, management considers TDRs on commercial and consumer loans and subsequent defaults in these restructurings by measuring impairment, on a loan by loan basis, based on either the present value of expected future cash flows discounted at the loan's effective interest rate, the loan's obtainable market price, or the fair value of the collateral, less costs to sell, if the loan is collateral dependent.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</us-gaap:LoansAndLeasesReceivableTroubledDebtRestructuringPolicy>
    <us-gaap:LoansAndLeasesReceivableAllowanceForLoanLossesPolicy contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;Allowance for Loan Losses&lt;/font&gt;&lt;/i&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The allowance for loan losses is management&amp;#8217;s estimate of credit losses inherent in the loan portfolio. The allowance for loan losses is established as losses are estimated to have occurred through a provision for loan losses charged to earnings. Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. The allowance for loan losses is evaluated on a regular basis by management and is based upon management&amp;#8217;s periodic review of the collectability of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower&amp;#8217;s ability to repay, the estimated value of any underlying collateral and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available.&lt;/font&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;We have an established process to determine the adequacy of the allowance for loan losses that assesses the losses inherent in our portfolio. While we attribute portions of the allowance to specific portfolio segments, the entire allowance is available to absorb credit losses inherent in the total loan portfolio. Our process involves procedures to appropriately consider the unique risk characteristics of our commercial and consumer loan portfolio segments. For each portfolio segment, impairment is measured individually for each impaired loan. Our allowance levels are influenced by loan volume, loan grade or delinquency status, historic loss experience and other economic conditions. See Note 4 to the Consolidated Financial Statements for additional information on the allowance for loan losses.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</us-gaap:LoansAndLeasesReceivableAllowanceForLoanLossesPolicy>
    <us-gaap:RealEstatePolicyTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;Other Real Estate Owned&lt;/font&gt;&lt;/i&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;Real estate acquired through foreclosure is initially recorded at the lower of cost or estimated fair value less selling costs. Subsequent to the date of acquisition, it is carried at the lower of cost or fair value, adjusted for net selling costs. Fair values of real estate owned are reviewed regularly and write-downs are recorded when it is determined that the carrying value of real estate exceeds the fair value less estimated costs to sell. Costs relating to the development and improvement of such property are capitalized, whereas those costs relating to holding the property are expensed.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</us-gaap:RealEstatePolicyTextBlock>
    <us-gaap:PropertyPlantAndEquipmentPolicyTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;Property and Equipment&lt;/font&gt;&lt;/i&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;Property and equipment are stated at cost. Major repairs are charged to operations, while major improvements are capitalized. Depreciation is computed using the straight-line method over the estimated useful lives of the related assets. Upon retirement, sale, or other disposition of property and equipment, the cost and accumulated depreciation are eliminated from the accounts, and gain or loss is included in income from operations.&lt;/font&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;Construction in progress is stated at cost, which includes the cost of construction and other direct costs attributable to the construction. No provision for depreciation is made on construction in progress until such time as the relevant assets are completed and put into use.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</us-gaap:PropertyPlantAndEquipmentPolicyTextBlock>
    <sfst:BankOwnedLifeInsurancePoliciesPolicyTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;Bank Owned Life Insurance Policies&lt;/font&gt;&lt;/i&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;Bank owned life insurance policies represent the cash value of policies on certain officers of the Company.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</sfst:BankOwnedLifeInsurancePoliciesPolicyTextBlock>
    <us-gaap:ComprehensiveIncomePolicyPolicyTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;Comprehensive Income&lt;/font&gt;&lt;/i&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;Comprehensive income (loss) consists of net&#13;income and net unrealized gains (losses) on securities and is presented in the statements of shareholders&amp;#8217; equity and comprehensive&#13;income. The statement requires only additional disclosures in the consolidated financial statements; it does not affect our results&#13;of operations.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</us-gaap:ComprehensiveIncomePolicyPolicyTextBlock>
    <us-gaap:RevenueFromContractWithCustomerPolicyTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;Revenue from Contracts with Customers&lt;/font&gt;&lt;/i&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The Company records revenue from contracts with customers in accordance with Accounting Standards Codification Topic 606, &amp;#8220;Revenue from Contracts with Customers&amp;#8221; (&amp;#8220;Topic 606&amp;#8221;). Under Topic 606, the Company must identify the contract with a customer, identify the performance obligations in the contract, determine the transaction price, allocate the transaction price to the performance obligations in the contract, and recognize revenue when (or as) the Company satisfies a performance obligation. Significant revenue has not been recognized in the current reporting period that results from performance obligations satisfied in previous periods.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The Company&amp;#8217;s primary sources of revenue are derived from interest and dividends earned on loans, investment securities, and other financial instruments that are not within the scope of Topic 606. The Company has evaluated the nature of its contracts with customers and determined that further disaggregation of revenue from contracts with customers into more granular categories beyond what is presented in the Consolidated Statements of Income was not necessary. The Company generally fully satisfies its performance obligations on its contracts with customers as services are rendered and the transaction prices are typically fixed; charged either on a periodic basis or based on activity. Our accounting policies did not change materially since the principles of revenue recognition from Topic 606 are largely consistent with existing guidance and current practices applied by our business. The following is a discussion of revenues within the scope of the guidance:&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="width: 100%; font: 10pt Arial; border-collapse: collapse; text-align: justify"&gt;&#13;&#13;&#13;&#13;&lt;tr&gt;&#13;&#13;   &lt;td style="padding-left: 15pt; padding-right: 8pt; vertical-align: top; width: 1%"&gt;&lt;font style="font-size: 9.5pt"&gt;&amp;#9679;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="vertical-align: top; width: 99%"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;Service fees on deposit accounts &lt;/font&gt;&lt;/i&gt;&lt;font style="font: x-small Arial"&gt;- The Company earns fees from its deposit clients for various transaction-based, account maintenance, and overdraft or non-sufficient funds (&amp;#8220;NSF&amp;#8221;) services. Transaction-based fees, which include services such as stop payment charges, statement rendering, and ACH fees, are recognized at the time the transaction is executed as that is the point in time the Company fulfills the client's request. Account maintenance fees, which relate primarily to monthly maintenance and account management, are earned over the course of a month, representing the period over which the Company satisfies the performance obligation. Overdraft and NSF fees are recognized at the point in time that the overdraft occurs or the NSF item is presented. Service charges on deposits are withdrawn from the client's account balance.&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr&gt;&#13;   &lt;td style="padding-left: 15pt; padding-right: 8pt; vertical-align: top"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="vertical-align: top"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&#13;&lt;tr&gt;&#13;&#13;   &lt;td style="padding-left: 15pt; padding-right: 8pt; vertical-align: top; width: 1%"&gt;&lt;font style="font-size: 9.5pt"&gt;&amp;#9679;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="vertical-align: top; width: 99%"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;ATM and debit card income &lt;/font&gt;&lt;/i&gt;&lt;font style="font: x-small Arial"&gt;- The Company earns interchange fees from debit cardholder transactions conducted through the payment networks. Interchange fees from cardholder transactions represent a percentage of the underlying transaction value and are recognized daily, concurrently with the transaction processing services provided to the cardholder.&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:RevenueFromContractWithCustomerPolicyTextBlock>
    <us-gaap:IncomeTaxPolicyTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;Income Taxes&lt;/font&gt;&lt;/i&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The financial statements have been prepared on the accrual basis. When income and expenses are recognized in different periods for financial reporting purposes versus for the purposes of computing income taxes currently payable, deferred taxes are provided on such temporary differences. Deferred tax assets and liabilities are recognized for the expected future tax consequences of events that have been recognized in the consolidated financial statements or tax returns. Deferred tax assets and liabilities are measured using the enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be realized or settled. The Company believes that its income tax filing positions taken or expected to be taken on its tax returns will more likely than not be sustained upon audit by the taxing authorities and does not anticipate any adjustments that will result in a material adverse impact on the Company&amp;#8217;s financial condition, results of operations, or cash flow. Therefore, no reserves for uncertain income tax positions have been recorded. The Company&amp;#8217;s federal and state income tax returns are open and subject to examination from the 2016 tax return year and forward.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;On December 22, 2017, the Tax Act was signed into law and includes numerous provisions that impact the Company, most notably a reduction in the corporate tax rate from the maximum rate of 35% to a flat rate of 21%. As a result, the Company recorded an incremental income tax expense of $2.4 million in the fourth quarter of 2017.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</us-gaap:IncomeTaxPolicyTextBlock>
    <us-gaap:ShareBasedCompensationOptionAndIncentivePlansPolicy contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;Stock-Based Compensation&lt;/font&gt;&lt;/i&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The Company has a stock-based employee compensation&#13;plan. Compensation cost is recognized for all stock options granted and for any outstanding unvested awards as if the fair value&#13;method had been applied to those awards as of the date of grant.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;/div&gt;</us-gaap:ShareBasedCompensationOptionAndIncentivePlansPolicy>
    <us-gaap:NewAccountingPronouncementsPolicyPolicyTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;Adoption of New Accounting Standards&lt;/font&gt;&lt;/i&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;In February 2016, the FASB issued ASU No. 2016-02, &lt;/font&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;&amp;#8220;Leases (Topic 842)&amp;#8221;&lt;/font&gt;&lt;/i&gt;&lt;font style="font: x-small Arial"&gt;. The guidance in the update supersedes the requirements in ASC Topic 840, Leases. The guidance is intended to increase transparency and comparability among organizations by recognizing right-of-use (&amp;#8220;ROU&amp;#8221;) assets and lease liabilities on the balance sheet. For public companies, this update was effective for interim and annual periods beginning after December 15, 2018. The Company adopted this guidance in the first quarter of 2019. Upon adoption, the Company elected a practical expedient which allows existing leases to retain their classification as operating leases. The Company has also elected to not recognize right-of-use assets and lease liabilities arising from short-term leases. Implementation of the guidance resulted in the recording of a right-of-use asset and lease liability on the balance sheet; however it does not have a material impact on the Company's other consolidated financial statements. See additional disclosures in Note 7.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</us-gaap:NewAccountingPronouncementsPolicyPolicyTextBlock>
    <sfst:EffectiveAccountingStandardsNewlyIssuedPolicyTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;Newly Issued, But Not yet Effective Accounting Standards&lt;/font&gt;&lt;/i&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;In June 2016, the FASB issued ASU 2016-13, &lt;/font&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;&amp;#8220;Financial Instruments &amp;#8211; Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments&amp;#8221;&lt;/font&gt;&lt;/i&gt;&lt;font style="font: x-small Arial"&gt;. Among other things, ASU 2016-13 requires the measurement of all expected credit losses for financial assets held at the reporting date based on historical experience, current conditions, and reasonable and supportable forecasts. Financial institutions and other organizations will now use forward-looking information to form their credit loss estimates. Many of the loss estimation techniques applied today will still be permitted, although the inputs to those techniques will change to reflect the full amount of expected credit losses. In addition, ASU 2016-13 amends the accounting for credit losses on debt securities and purchased financial assets with credit deterioration. ASU 2016-13 was originally effective for all annual and interim periods beginning after December 31, 2019, with early adoption permitted for fiscal years beginning after December 15, 2018. Adoption will be applied through a cumulative-effect adjustment to retained earnings as of the beginning of the first reporting period in which the guidance is effective. The Company has established a team of individuals from credit, finance and risk management to evaluate the requirements of the new standard and the impact it will have on its processes.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;In November 2019, the FASB issued guidance that addresses issues raised by stakeholders during the implementation of ASU 2016-13, &lt;/font&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;&amp;#8220;Financial Instruments &amp;#8211; Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments&amp;#8221;&lt;/font&gt;&lt;/i&gt;&lt;font style="font: x-small Arial"&gt;. The amendments affect a variety of Topics in the Accounting Standards Codification. For public business entities that meet the definition of a smaller reporting company, such as the Company, the amendments are effective for fiscal years beginning after December 15, 2022 including interim periods within those fiscal years. Early adoption is permitted in any interim period as long as the Company has adopted to amendments in ASU 2016-13. Currently, the Company does not expect to adopt the ASU before the effective period.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;Other accounting standards that have been issued or proposed by the FASB or other standards-setting bodies that do not require adoption until a future date are not expected to have a material impact on the consolidated financial statements upon adoption.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</sfst:EffectiveAccountingStandardsNewlyIssuedPolicyTextBlock>
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    <sfst:BusinessActivityPolicyTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;b&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;Southern First Bancshares, Inc. &lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;font style="font: x-small Arial"&gt;(the "Company") is a South Carolina corporation that owns all of the capital stock of Southern First Bank (the "Bank") and all of the stock of Greenville First Statutory Trust I and II (collectively, the "Trusts"). The Trusts are special purpose non-consolidated entities organized for the sole purpose of issuing trust preferred securities. The Bank's primary federal regulator is the Federal Deposit Insurance Corporation (the "FDIC"). The Bank is also regulated and examined by the South Carolina Board of Financial Institutions. The Bank is primarily engaged in the business of accepting demand deposits and savings deposits insured by the FDIC, and providing commercial, consumer and mortgage loans to the general public.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</sfst:BusinessActivityPolicyTextBlock>
    <sfst:MaturitiesOfLeaseLiabilitiesTableTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Maturities of lease liabilities as of December 31, 2019 were as follows:&lt;/font&gt;&lt;/p&gt; &#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse"&gt; &#13; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="width: 97%; white-space: nowrap; text-align: left; border-top: #000000 1.5pt solid"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-top: #000000 1.5pt solid"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-top: #000000 1.5pt solid"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-top: #000000 1.5pt solid"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="width: 97%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt; &#13;   &lt;td colspan="2" style="width: 2%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Operating&lt;br /&gt;Leases&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt; &#13;   &lt;td style="width: 97%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;2020&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,103&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="width: 97%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;2021&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,152&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt; &#13;   &lt;td style="width: 97%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;2022&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,400&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="width: 97%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;2023&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,273&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt; &#13;   &lt;td style="width: 97%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;2024&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,305&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="width: 97%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid"&gt;&lt;font style="font: x-small Arial"&gt;Thereafter&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"&gt;&lt;font style="font: x-small Arial"&gt;17,404&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt; &#13;   &lt;td style="width: 97%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Total undiscounted lease payments&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;25,637&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="width: 97%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid"&gt;&lt;font style="font: x-small Arial"&gt;Discount effect of cash flows&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"&gt;&lt;font style="font: x-small Arial"&gt;5,549&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt; &#13;   &lt;td style="border-bottom: #000000 1.5pt solid; padding-left: 15pt; width: 97%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total lease liability&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1.5pt solid"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1.5pt solid"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1.5pt solid"&gt;&lt;font style="font: x-small Arial"&gt;20,088&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</sfst:MaturitiesOfLeaseLiabilitiesTableTextBlock>
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    <us-gaap:InterestExpenseTimeDeposits100000OrMore contextRef="Context_FYE_01_Jan_2018T00_00_00_TO_31_Dec_2018T00_00_00" unitRef="USD" decimals="-5">4700000</us-gaap:InterestExpenseTimeDeposits100000OrMore>
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    <us-gaap:OtherAssetsFairValueDisclosure contextRef="AsOf2019-12-31_us-gaap_EstimateOfFairValueFairValueDisclosureMember_us-gaap_FairValueInputsLevel3Member" unitRef="USD" decimals="-3">6948000</us-gaap:OtherAssetsFairValueDisclosure>
    <us-gaap:LoansReceivableFairValueDisclosure contextRef="Context_As_Of_31_Dec_2018T00_00_00_TO_31_Dec_2018T00_00_00" unitRef="USD" id="Foot-00-2" decimals="-3">1618618000</us-gaap:LoansReceivableFairValueDisclosure>
    <us-gaap:LoansReceivableFairValueDisclosure contextRef="Context_As_Of_31_Dec_2018T00_00_00_TO_31_Dec_2018T00_00_00_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel1Member_FairValueByMeasurementBasisAxis_EstimateOfFairValueFairValueDisclosureMember" unitRef="USD" id="Foot-00-3" xsi:nil="true" />
    <us-gaap:LoansReceivableFairValueDisclosure contextRef="Context_As_Of_31_Dec_2018T00_00_00_TO_31_Dec_2018T00_00_00_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel2Member_FairValueByMeasurementBasisAxis_EstimateOfFairValueFairValueDisclosureMember" unitRef="USD" id="Foot-00-4" xsi:nil="true" />
    <us-gaap:LoansReceivableFairValueDisclosure contextRef="Context_As_Of_31_Dec_2018T00_00_00_TO_31_Dec_2018T00_00_00_FairValueByMeasurementBasisAxis_EstimateOfFairValueFairValueDisclosureMember_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel3Member" unitRef="USD" id="Foot-00-5" decimals="-3">1618618000</us-gaap:LoansReceivableFairValueDisclosure>
    <us-gaap:LoansReceivableFairValueDisclosure contextRef="AsOf2019-12-31" unitRef="USD" id="Foot-00-6" decimals="-3">1900216000</us-gaap:LoansReceivableFairValueDisclosure>
    <us-gaap:LoansReceivableFairValueDisclosure contextRef="AsOf2019-12-31_us-gaap_FairValueInputsLevel1Member_us-gaap_EstimateOfFairValueFairValueDisclosureMember" unitRef="USD" id="Foot-00-7" xsi:nil="true" />
    <us-gaap:LoansReceivableFairValueDisclosure contextRef="AsOf2019-12-31_us-gaap_FairValueInputsLevel2Member_us-gaap_EstimateOfFairValueFairValueDisclosureMember" unitRef="USD" id="Foot-00-8" xsi:nil="true" />
    <us-gaap:LoansReceivableFairValueDisclosure contextRef="AsOf2019-12-31_us-gaap_EstimateOfFairValueFairValueDisclosureMember_us-gaap_FairValueInputsLevel3Member" unitRef="USD" id="Foot-00-9" decimals="-3">1900216000</us-gaap:LoansReceivableFairValueDisclosure>
    <us-gaap:FederalHomeLoanBankAdvances contextRef="Context_As_Of_31_Dec_2018T00_00_00_TO_31_Dec_2018T00_00_00" unitRef="USD" decimals="-3">50000000</us-gaap:FederalHomeLoanBankAdvances>
    <us-gaap:FederalHomeLoanBankAdvances contextRef="AsOf2019-12-31" unitRef="USD" decimals="-3">110000000</us-gaap:FederalHomeLoanBankAdvances>
    <us-gaap:SubordinatedDebt contextRef="Context_As_Of_31_Dec_2018T00_00_00_TO_31_Dec_2018T00_00_00" unitRef="USD" decimals="-3">13403000</us-gaap:SubordinatedDebt>
    <us-gaap:SubordinatedDebt contextRef="AsOf2019-12-31" unitRef="USD" decimals="-3">35890000</us-gaap:SubordinatedDebt>
    <us-gaap:DepositsFairValueDisclosure contextRef="Context_As_Of_31_Dec_2018T00_00_00_TO_31_Dec_2018T00_00_00" unitRef="USD" decimals="-3">1515123000</us-gaap:DepositsFairValueDisclosure>
    <us-gaap:DepositsFairValueDisclosure contextRef="Context_As_Of_31_Dec_2018T00_00_00_TO_31_Dec_2018T00_00_00_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel1Member_FairValueByMeasurementBasisAxis_EstimateOfFairValueFairValueDisclosureMember" unitRef="USD" xsi:nil="true" />
    <us-gaap:DepositsFairValueDisclosure contextRef="Context_As_Of_31_Dec_2018T00_00_00_TO_31_Dec_2018T00_00_00_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel2Member_FairValueByMeasurementBasisAxis_EstimateOfFairValueFairValueDisclosureMember" unitRef="USD" decimals="-3">1515123000</us-gaap:DepositsFairValueDisclosure>
    <us-gaap:DepositsFairValueDisclosure contextRef="Context_As_Of_31_Dec_2018T00_00_00_TO_31_Dec_2018T00_00_00_FairValueByMeasurementBasisAxis_EstimateOfFairValueFairValueDisclosureMember_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel3Member" unitRef="USD" xsi:nil="true" />
    <us-gaap:DepositsFairValueDisclosure contextRef="AsOf2019-12-31" unitRef="USD" decimals="-3">1772121000</us-gaap:DepositsFairValueDisclosure>
    <us-gaap:DepositsFairValueDisclosure contextRef="AsOf2019-12-31_us-gaap_FairValueInputsLevel1Member_us-gaap_EstimateOfFairValueFairValueDisclosureMember" unitRef="USD" xsi:nil="true" />
    <us-gaap:DepositsFairValueDisclosure contextRef="AsOf2019-12-31_us-gaap_FairValueInputsLevel2Member_us-gaap_EstimateOfFairValueFairValueDisclosureMember" unitRef="USD" decimals="-3">1772121000</us-gaap:DepositsFairValueDisclosure>
    <us-gaap:DepositsFairValueDisclosure contextRef="AsOf2019-12-31_us-gaap_EstimateOfFairValueFairValueDisclosureMember_us-gaap_FairValueInputsLevel3Member" unitRef="USD" xsi:nil="true" />
    <us-gaap:FederalHomeLoanBankBorrowingsFairValueDisclosure contextRef="Context_As_Of_31_Dec_2018T00_00_00_TO_31_Dec_2018T00_00_00" unitRef="USD" decimals="-3">50147000</us-gaap:FederalHomeLoanBankBorrowingsFairValueDisclosure>
    <us-gaap:FederalHomeLoanBankBorrowingsFairValueDisclosure contextRef="Context_As_Of_31_Dec_2018T00_00_00_TO_31_Dec_2018T00_00_00_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel1Member_FairValueByMeasurementBasisAxis_EstimateOfFairValueFairValueDisclosureMember" unitRef="USD" xsi:nil="true" />
    <us-gaap:FederalHomeLoanBankBorrowingsFairValueDisclosure contextRef="Context_As_Of_31_Dec_2018T00_00_00_TO_31_Dec_2018T00_00_00_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel2Member_FairValueByMeasurementBasisAxis_EstimateOfFairValueFairValueDisclosureMember" unitRef="USD" decimals="-3">50147000</us-gaap:FederalHomeLoanBankBorrowingsFairValueDisclosure>
    <us-gaap:FederalHomeLoanBankBorrowingsFairValueDisclosure contextRef="Context_As_Of_31_Dec_2018T00_00_00_TO_31_Dec_2018T00_00_00_FairValueByMeasurementBasisAxis_EstimateOfFairValueFairValueDisclosureMember_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel3Member" unitRef="USD" xsi:nil="true" />
    <us-gaap:FederalHomeLoanBankBorrowingsFairValueDisclosure contextRef="AsOf2019-12-31" unitRef="USD" decimals="-3">109737000</us-gaap:FederalHomeLoanBankBorrowingsFairValueDisclosure>
    <us-gaap:FederalHomeLoanBankBorrowingsFairValueDisclosure contextRef="AsOf2019-12-31_us-gaap_FairValueInputsLevel1Member_us-gaap_EstimateOfFairValueFairValueDisclosureMember" unitRef="USD" xsi:nil="true" />
    <us-gaap:FederalHomeLoanBankBorrowingsFairValueDisclosure contextRef="AsOf2019-12-31_us-gaap_FairValueInputsLevel2Member_us-gaap_EstimateOfFairValueFairValueDisclosureMember" unitRef="USD" decimals="-3">109737000</us-gaap:FederalHomeLoanBankBorrowingsFairValueDisclosure>
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    <us-gaap:FairValueLiabilitiesMeasuredOnRecurringBasisSubordinatedDebtObligations contextRef="Context_As_Of_31_Dec_2018T00_00_00_TO_31_Dec_2018T00_00_00" unitRef="USD" decimals="-3">14807000</us-gaap:FairValueLiabilitiesMeasuredOnRecurringBasisSubordinatedDebtObligations>
    <us-gaap:FairValueLiabilitiesMeasuredOnRecurringBasisSubordinatedDebtObligations contextRef="Context_As_Of_31_Dec_2018T00_00_00_TO_31_Dec_2018T00_00_00_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel1Member_FairValueByMeasurementBasisAxis_EstimateOfFairValueFairValueDisclosureMember" unitRef="USD" xsi:nil="true" />
    <us-gaap:FairValueLiabilitiesMeasuredOnRecurringBasisSubordinatedDebtObligations contextRef="Context_As_Of_31_Dec_2018T00_00_00_TO_31_Dec_2018T00_00_00_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel2Member_FairValueByMeasurementBasisAxis_EstimateOfFairValueFairValueDisclosureMember" unitRef="USD" decimals="-3">14807000</us-gaap:FairValueLiabilitiesMeasuredOnRecurringBasisSubordinatedDebtObligations>
    <us-gaap:FairValueLiabilitiesMeasuredOnRecurringBasisSubordinatedDebtObligations contextRef="Context_As_Of_31_Dec_2018T00_00_00_TO_31_Dec_2018T00_00_00_FairValueByMeasurementBasisAxis_EstimateOfFairValueFairValueDisclosureMember_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel3Member" unitRef="USD" xsi:nil="true" />
    <us-gaap:FairValueLiabilitiesMeasuredOnRecurringBasisSubordinatedDebtObligations contextRef="AsOf2019-12-31" unitRef="USD" decimals="-3">33250000</us-gaap:FairValueLiabilitiesMeasuredOnRecurringBasisSubordinatedDebtObligations>
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    <us-gaap:FairValueLiabilitiesMeasuredOnRecurringBasisSubordinatedDebtObligations contextRef="AsOf2019-12-31_us-gaap_FairValueInputsLevel2Member_us-gaap_EstimateOfFairValueFairValueDisclosureMember" unitRef="USD" decimals="-3">33250000</us-gaap:FairValueLiabilitiesMeasuredOnRecurringBasisSubordinatedDebtObligations>
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    <sfst:PercentageOfLoansCollateralByRealEstate contextRef="From2019-01-01to2019-12-31">More than 83%</sfst:PercentageOfLoansCollateralByRealEstate>
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    <us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic contextRef="Context_FYE_01_Jan_2017T00_00_00_TO_31_Dec_2017T00_00_00" unitRef="USD" decimals="-3">13045000</us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic>
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    <us-gaap:WeightedAverageNumberDilutedSharesOutstandingAdjustment contextRef="Context_FYE_01_Jan_2018T00_00_00_TO_31_Dec_2018T00_00_00" unitRef="shares" decimals="INF">353295</us-gaap:WeightedAverageNumberDilutedSharesOutstandingAdjustment>
    <us-gaap:WeightedAverageNumberDilutedSharesOutstandingAdjustment contextRef="Context_FYE_01_Jan_2017T00_00_00_TO_31_Dec_2017T00_00_00" unitRef="shares" decimals="INF">387674</us-gaap:WeightedAverageNumberDilutedSharesOutstandingAdjustment>
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    <us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount contextRef="Context_FYE_01_Jan_2018T00_00_00_TO_31_Dec_2018T00_00_00" unitRef="shares" decimals="INF">195425</us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount>
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    <sfst:PeriodOfEmploymentAgreement contextRef="From2019-01-01to2019-12-31_us-gaap_PresidentMember">P2Y</sfst:PeriodOfEmploymentAgreement>
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    <sfst:EmploymentAgreementDescription contextRef="From2019-01-01to2019-12-31">These agreements also include a) an incentive program, b) a stock option plan, c) a one-year non-compete agreement upon termination and a severance payment equal to one year of compensation.</sfst:EmploymentAgreementDescription>
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    <sfst:AgreementWithDataProcessorExpired contextRef="From2019-01-01to2019-12-31">2023</sfst:AgreementWithDataProcessorExpired>
    <us-gaap:CurrentFederalTaxExpenseBenefit contextRef="Context_FYE_01_Jan_2018T00_00_00_TO_31_Dec_2018T00_00_00" unitRef="USD" decimals="-3">5536000</us-gaap:CurrentFederalTaxExpenseBenefit>
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    <us-gaap:CurrentStateAndLocalTaxExpenseBenefit contextRef="Context_FYE_01_Jan_2018T00_00_00_TO_31_Dec_2018T00_00_00" unitRef="USD" decimals="-3">990000</us-gaap:CurrentStateAndLocalTaxExpenseBenefit>
    <us-gaap:CurrentStateAndLocalTaxExpenseBenefit contextRef="Context_FYE_01_Jan_2017T00_00_00_TO_31_Dec_2017T00_00_00" unitRef="USD" decimals="-3">573000</us-gaap:CurrentStateAndLocalTaxExpenseBenefit>
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    <us-gaap:CurrentIncomeTaxExpenseBenefit contextRef="Context_FYE_01_Jan_2018T00_00_00_TO_31_Dec_2018T00_00_00" unitRef="USD" decimals="-3">6526000</us-gaap:CurrentIncomeTaxExpenseBenefit>
    <us-gaap:CurrentIncomeTaxExpenseBenefit contextRef="Context_FYE_01_Jan_2017T00_00_00_TO_31_Dec_2017T00_00_00" unitRef="USD" decimals="-3">7712000</us-gaap:CurrentIncomeTaxExpenseBenefit>
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    <us-gaap:DeferredIncomeTaxExpenseBenefit contextRef="Context_FYE_01_Jan_2018T00_00_00_TO_31_Dec_2018T00_00_00" unitRef="USD" decimals="-3">-125000</us-gaap:DeferredIncomeTaxExpenseBenefit>
    <us-gaap:DeferredIncomeTaxExpenseBenefit contextRef="Context_FYE_01_Jan_2017T00_00_00_TO_31_Dec_2017T00_00_00" unitRef="USD" decimals="-3">2904000</us-gaap:DeferredIncomeTaxExpenseBenefit>
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    <us-gaap:IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate contextRef="Context_FYE_01_Jan_2018T00_00_00_TO_31_Dec_2018T00_00_00" unitRef="USD" decimals="-3">6025000</us-gaap:IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate>
    <us-gaap:IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate contextRef="Context_FYE_01_Jan_2017T00_00_00_TO_31_Dec_2017T00_00_00" unitRef="USD" decimals="-3">8281000</us-gaap:IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate>
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    <us-gaap:IncomeTaxReconciliationChangeInEnactedTaxRate contextRef="Context_FYE_01_Jan_2017T00_00_00_TO_31_Dec_2017T00_00_00" unitRef="USD" decimals="-3">2441000</us-gaap:IncomeTaxReconciliationChangeInEnactedTaxRate>
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    <us-gaap:DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses contextRef="Context_As_Of_31_Dec_2018T00_00_00_TO_31_Dec_2018T00_00_00" unitRef="USD" decimals="-3">3310000</us-gaap:DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses>
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    <us-gaap:DeferredTaxAssetsUnrealizedLossesOnAvailableforSaleSecuritiesGross contextRef="Context_As_Of_31_Dec_2018T00_00_00_TO_31_Dec_2018T00_00_00" unitRef="USD" decimals="-3">244000</us-gaap:DeferredTaxAssetsUnrealizedLossesOnAvailableforSaleSecuritiesGross>
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    <sfst:DeferredTaxAssetsNetDeferredLoanFees contextRef="Context_As_Of_31_Dec_2018T00_00_00_TO_31_Dec_2018T00_00_00" unitRef="USD" decimals="-3">592000</sfst:DeferredTaxAssetsNetDeferredLoanFees>
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    <us-gaap:DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefits contextRef="Context_As_Of_31_Dec_2018T00_00_00_TO_31_Dec_2018T00_00_00" unitRef="USD" decimals="-3">1280000</us-gaap:DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefits>
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    <sfst:DeferredTaxAssetSaleOfRealEstateOwned contextRef="Context_As_Of_31_Dec_2018T00_00_00_TO_31_Dec_2018T00_00_00" unitRef="USD" decimals="-3">128000</sfst:DeferredTaxAssetSaleOfRealEstateOwned>
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    <us-gaap:DeferredTaxAssetsOther contextRef="Context_As_Of_31_Dec_2018T00_00_00_TO_31_Dec_2018T00_00_00" unitRef="USD" decimals="-3">130000</us-gaap:DeferredTaxAssetsOther>
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    <sfst:ProceedsFromExerciseOfStockOptionsAndWarrants contextRef="Context_FYE_01_Jan_2018T00_00_00_TO_31_Dec_2018T00_00_00_ConsolidatedEntitiesAxis_ParentCompanyMember" unitRef="USD" decimals="-3">900000</sfst:ProceedsFromExerciseOfStockOptionsAndWarrants>
    <sfst:ProceedsFromExerciseOfStockOptionsAndWarrants contextRef="From2019-01-01to2019-12-31_srt_ParentCompanyMember" unitRef="USD" decimals="-3">1769000</sfst:ProceedsFromExerciseOfStockOptionsAndWarrants>
    <us-gaap:ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The amortized costs and fair value of investment securities are as follows:&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse"&gt;&#13;&#13;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 91%; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="8" style="border-bottom: Black 1pt solid; width: 8%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;December 31, 2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Amortized&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="3" style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Gross Unrealized&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Fair&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 91%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Cost&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Gains&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Losses&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Value&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Available for sale&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;US government agencies&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;500&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;499&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;SBA securities&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;550&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;19&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;531&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;State and political subdivisions&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4,205&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;3&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;24&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4,184&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;Asset-backed securities&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;13,351&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;184&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;13,167&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Mortgage-backed securities&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="padding-left: 30pt; width: 91%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;FHLMC&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;10,609&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;14&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;15&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;10,608&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left; padding-left: 30pt"&gt;&lt;font style="font: x-small Arial"&gt;FNMA&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;35,275&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;34&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;169&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;35,140&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 30pt; width: 91%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;GNMA&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;3,581&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;5&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;21&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;3,565&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 91%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Total mortgage-backed securities&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;49,465&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;53&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;205&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;49,313&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; padding-left: 45pt; background-color: Silver; width: 91%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;68,071&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;56&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;433&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;67,694&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&#13;&#13;&#13;&lt;p style="text-align: center"&gt;&lt;/p&gt;&#13;&#13;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse"&gt;&#13;&#13;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 91%; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="8" style="border-top: Black 1.5pt solid; width: 8%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="8" style="border-bottom: Black 1pt solid; width: 8%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;December 31, 2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Amortized&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="3" style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Gross Unrealized&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Fair&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 91%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Cost&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Gains&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Losses&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Value&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Available for sale&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;US government agencies&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;8,975&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;194&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;8,782&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;SBA securities&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;3,628&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;103&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;3,525&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;State and political subdivisions&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;8,371&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;48&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;63&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;8,356&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;Asset-backed securities&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;9,595&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;12&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;49&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;9,558&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Mortgage-backed securities&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="padding-left: 30pt; width: 91%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;FHLMC&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;12,258&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;87&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;242&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;12,103&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left; padding-left: 30pt"&gt;&lt;font style="font: x-small Arial"&gt;FNMA&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;29,068&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;25&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;551&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;28,542&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 30pt; background-color: Silver; width: 91%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;GNMA&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4,170&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;132&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4,039&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 91%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total mortgage-backed securities&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;45,496&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;113&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;925&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;44,684&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; padding-left: 45pt; background-color: Silver; width: 91%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;76,065&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;174&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,334&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;74,905&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock>
    <us-gaap:InvestmentsClassifiedByContractualMaturityDateTableTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The amortized costs and fair values of investment securities available for sale at December 31, 2019 and 2018, by contractual maturity, are shown below. Expected maturities may differ from contractual maturities because issuers have the right to prepay the obligations.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse"&gt;&#13;&#13;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 91%; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="8" style="border-top: Black 1.5pt solid; width: 8%; white-space: nowrap; text-align: center"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="8" style="border-bottom: Black 1pt solid; width: 8%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 2%; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Amortized&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Fair&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Amortized&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Fair&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 91%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Cost&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Value&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Cost&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Value&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Available for sale&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Due within one year&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;Due after one through five years&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;4,699&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;4,675&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;8,681&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;8,578&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Due after five through ten years&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;10,454&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;10,414&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;22,796&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;22,379&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 91%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Due after ten years&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;52,918&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;52,605&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;44,588&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;43,948&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 91%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;68,071&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;67,694&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;76,065&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;74,905&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:InvestmentsClassifiedByContractualMaturityDateTableTextBlock>
    <us-gaap:ScheduleOfUnrealizedLossOnInvestmentsTableTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The tables below summarize gross unrealized losses on investment securities and the fair market value of the related securities, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, at December 31, 2019 and 2018.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse"&gt;&#13;&#13;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 76%; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="7" style="border-top: Black 1.5pt solid; width: 7%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="5" style="border-top: Black 1.5pt solid; width: 5%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-top: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 76%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="7" style="border-bottom: Black 1pt solid; width: 7%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Less than 12 months&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="5" style="border-bottom: Black 1pt solid; width: 5%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;12 months or longer&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Total&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 76%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Fair&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Unrealized&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Fair&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Unrealized&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Fair&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 2%; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Unrealized&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 76%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;#&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;value&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;losses&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;#&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;value&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;losses&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;#&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;value&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;losses&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 76%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;As of December 31, 2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 76%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Available for sale&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 76%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;US government agencies&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;499&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;499&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 76%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;SBA securities&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;531&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;19&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;531&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;19&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 76%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;State and political subdivisions&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,093&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;24&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2&lt;/font&gt;&lt;/td&gt;&#13;&#13; 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width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;168&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;22&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;20,296&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;265&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;50&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;50,391&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;433&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&#13;&#13;&#13;&lt;p style="text-align: center"&gt;&lt;/p&gt;&#13;&#13;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse"&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 76%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;&#13;   &lt;td colspan="7" style="border-bottom: Black 1pt solid; width: 5%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Less than 12 months&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="5" style="border-bottom: Black 1pt solid; width: 5%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;12 months or longer&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Total&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 76%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Fair&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Unrealized&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Fair&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Unrealized&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Fair&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Unrealized&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 76%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;#&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;value&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;losses&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;#&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;value&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;losses&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;#&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;value&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;losses&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 76%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;As of December 31, 2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 76%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Available for sale&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13; 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white-space: nowrap; text-align: right; background-color: Silver"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;1,246&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;3&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;8&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;7,035&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;191&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;9&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; 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text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;3,525&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;103&lt;/font&gt;&lt;/td&gt;&#13;&#13; 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text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;103&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="padding-left: 15pt; width: 76%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;State and political subdivisions&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13; 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background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;11,746&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;64&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;53&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;46,524&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,270&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;61&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;58,270&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,334&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ScheduleOfUnrealizedLossOnInvestmentsTableTextBlock>
    <us-gaap:ScheduleOfOtherInvestmentsNotReadilyMarketableTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;Other investments are comprised of the following and are recorded at cost which approximates fair value:&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse"&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 95%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="4" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 95%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: left; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 95%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;Federal Home Loan Bank stock&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;6,386&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;3,587&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 95%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Other investments&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;159&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;131&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 95%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Investment in Trust Preferred subsidiaries&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;403&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;403&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 95%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;6,948&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4,121&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ScheduleOfOtherInvestmentsNotReadilyMarketableTextBlock>
    <us-gaap:PastDueFinancingReceivablesTableTextBlock contextRef="From2019-01-01to2019-12-31_us-gaap_ConsumerLoanMember">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The following tables provide past due information for outstanding consumer loans and include loans on nonaccrual status.&lt;/font&gt;&lt;/p&gt;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse"&gt;&#13;&#13;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&amp;#160;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="3" style="border-top: Black 1.5pt solid; width: 7%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="10" style="border-bottom: Black 1pt solid; width: 20%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;December 31, 2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Real estate&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Home equity&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Construction&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Other&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Total&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Current&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;396,445&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;179,051&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;41,471&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;25,650&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;642,617&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;30-59 days past due&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;799&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;369&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;83&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,251&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;60-89 days past due&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;118&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;118&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Greater than 90 days&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,001&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;200&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,201&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;398,245&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;179,738&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;41,471&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;25,733&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;645,187&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr&gt;&#13;&#13;   &lt;td colspan="12" style="width: 100%"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="10" style="border-bottom: Black 1pt solid; width: 20%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;December 31, 2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Real estate&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Home equity&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Construction&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Other&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Total&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Current&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;317,267&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;165,727&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;37,925&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;23,603&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;544,522&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;30-59 days past due&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,555&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;30&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;106&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,691&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;60-89 days past due&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;923&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;113&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,036&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Greater than 90 days&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;198&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;180&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;378&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;320,943&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;165,937&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;37,925&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;23,822&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;548,627&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:PastDueFinancingReceivablesTableTextBlock>
    <us-gaap:PastDueFinancingReceivablesTableTextBlock contextRef="From2019-01-01to2019-12-31_us-gaap_CommercialLoanMember">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The following tables provide past due information for outstanding commercial loans and include loans on nonaccrual status.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse"&gt;&#13;&#13;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td colspan="12" style="border-top: Black 1.5pt solid; width: 100%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="10" style="border-bottom: Black 1pt solid; width: 20%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;December 31, 2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Owner&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Non-owner&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;occupied RE&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;occupied RE&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Construction&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Business&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Total&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Current&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;&amp;#160; $&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;406,594&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;501,676&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;80,486&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;307,710&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,296,466&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;30-59 days past due&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;706&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;151&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;178&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,035&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;60-89 days past due&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Greater than 90 days&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;551&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;51&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;235&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;837&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;407,851&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;501,878&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;80,486&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;308,123&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,298,338&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr&gt;&#13;&#13;   &lt;td colspan="12" style="width: 100%"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="10" style="border-bottom: Black 1pt solid; width: 20%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;December 31, 2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Owner&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Non-owner&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;occupied RE&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;occupied RE&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Construction&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Business&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Total&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Current&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;367,018&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;404,179&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;84,411&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;272,864&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,128,472&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;30-59 days past due&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;117&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;36&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;153&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;60-89 days past due&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Greater than 90 days&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;80&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;80&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;367,018&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;404,296&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;84,411&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;272,980&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,128,705&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:PastDueFinancingReceivablesTableTextBlock>
    <sfst:OutstandingLoansByRiskCategoryTableTextBlock contextRef="From2019-01-01to2019-12-31_us-gaap_ConsumerLoanMember">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The tables below provide a breakdown of outstanding consumer loans by risk category.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse"&gt;&#13;&#13;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&amp;#160;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="3" style="border-top: Black 1.5pt solid; width: 7%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="10" style="border-bottom: Black 1pt solid; width: 20%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;December 31, 2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Real estate&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Home equity&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Construction&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Other&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Total&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Pass&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;392,572&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;176,532&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;41,471&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;25,421&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;635,996&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Special Mention&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,267&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;775&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;261&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;3,303&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Substandard&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;3,406&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,431&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;51&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;5,888&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Doubtful&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Loss&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;398,245&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;179,738&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;41,471&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;25,733&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;645,187&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="3" style="width: 7%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&amp;#160;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="10" style="border-bottom: Black 1pt solid; width: 20%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;December 31, 2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Real estate&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Home equity&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Construction&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Other&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Total&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Pass&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;314,586&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;162,626&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;37,925&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;23,586&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;538,723&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Special Mention&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,792&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;864&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;139&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,795&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Substandard&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4,565&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,447&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;97&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7,109&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Doubtful&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Loss&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;320,943&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;165,937&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;37,925&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;23,822&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;548,627&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</sfst:OutstandingLoansByRiskCategoryTableTextBlock>
    <sfst:OutstandingLoansByRiskCategoryTableTextBlock contextRef="From2019-01-01to2019-12-31_us-gaap_CommercialLoanMember">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The tables below provide a breakdown of outstanding commercial loans by risk category.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse"&gt;&#13;&#13;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 79%; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="3" style="border-top: Black 1.5pt solid; width: 7%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="10" style="border-bottom: Black 1pt solid; width: 20%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;December 31, 2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Owner&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Non-owner&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;occupied RE&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;occupied RE&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Construction&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Business&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Total&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Pass&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;&amp;#160; $&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;404,237&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;492,941&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;80,486&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;301,504&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,279,168&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Special Mention&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,312&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;744&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;3,108&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;5,164&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Substandard&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,302&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;8,193&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;3,511&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;14,006&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Doubtful&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;407,851&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;501,878&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;80,486&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;308,123&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,298,338&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr&gt;&#13;&#13;   &lt;td colspan="12" style="width: 100%"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="10" style="border-bottom: Black 1pt solid; width: 20%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;December 31, 2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Owner&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Non-owner&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;occupied RE&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;occupied RE&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Construction&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Business&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Total&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Pass&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;&amp;#160; $&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;363,621&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;400,266&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;84,411&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;266,898&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,115,196&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Special Mention&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;296&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;118&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,971&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;3,385&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Substandard&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;3,101&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;3,912&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;3,111&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;10,124&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Doubtful&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;367,018&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;404,296&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;84,411&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;272,980&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,128,705&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</sfst:OutstandingLoansByRiskCategoryTableTextBlock>
    <us-gaap:ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The following table summarizes the composition of our loan portfolio. Total gross loans are recorded net of deferred loan fees and costs, which totaled $3.3 million and $2.8 million as of December 31, 2019 and December 31, 2018, respectively.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse"&gt;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 89%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="10" style="border-bottom: Black 1pt solid; width: 10%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 89%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 89%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Commercial&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 89%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Owner occupied RE&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;407,851&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;21.0%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;367,018&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;21.9%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 89%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Non-owner occupied RE&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;501,878&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;25.8%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;404,296&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;24.1%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 89%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Construction&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;80,486&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4.1%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;84,411&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;5.0%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 89%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Business&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;308,123&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;15.9%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;272,980&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;16.3%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 89%; white-space: nowrap; text-align: left; padding-left: 30pt"&gt;&lt;font style="font: x-small Arial"&gt;Total commercial loans&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,298,338&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;66.8%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,128,705&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;67.3%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 89%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Consumer&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 89%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Real estate&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;398,245&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;20.5%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;320,943&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;19.1%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 89%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Home equity&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;179,738&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;9.3%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;165,937&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;9.9%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 89%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Construction&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;41,471&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2.1%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;37,925&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2.3%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 89%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Other&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;25,733&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1.3%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;23,822&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1.4%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 89%; white-space: nowrap; text-align: left; padding-left: 30pt"&gt;&lt;font style="font: x-small Arial"&gt;Total consumer loans&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;645,187&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;33.2%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;548,627&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;32.7%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 89%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Total gross loans, net of deferred fees&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,943,525&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;100.0%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,677,332&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;100.0%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 89%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Less &amp;#8211; allowance for loan losses&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(16,642&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(15,762&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; padding-left: 15pt; width: 89%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total loans, net&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,926,883&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,661,570&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock>
    <sfst:LoanReceivableByRateTypeTableTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The composition of gross loans by rate type is as follows:&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse"&gt;&#13;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&#13;   &#13;   &#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 95%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="4" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 95%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 95%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;Variable rate loans&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;432,540&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;402,148&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 95%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Fixed rate loans&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,510,985&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,275,184&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 95%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,943,525&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,677,332&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</sfst:LoanReceivableByRateTypeTableTextBlock>
    <us-gaap:ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The following table shows the nonperforming&#13;assets and the related percentage of nonperforming assets to total assets and gross loans. Generally, a loan is placed on nonaccrual&#13;status when it becomes 90 days past due as to principal or interest, or when we believe, after considering economic and business&#13;conditions and collection efforts, that the borrower&amp;#8217;s financial condition is such that collection of the contractual principal&#13;or interest on the loan is doubtful. A payment of interest on a loan that is classified as nonaccrual is recognized as a reduction&#13;in principal when received.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse"&gt;&#13;&#13;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 93%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="4" style="border-top: Black 1.5pt solid; width: 6%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&amp;#160;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 93%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/td&gt;&#13;&#13;   &lt;td colspan="4" style="border-bottom: Black 1pt solid; width: 6%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 93%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 93%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Commercial&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 93%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Owner occupied RE&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 93%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Non-owner occupied RE&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;188&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;210&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 93%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Construction&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 93%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Business&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;235&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;81&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 93%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Consumer&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 93%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Real estate&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,829&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,980&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 93%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Home equity&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;431&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,006&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 93%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Construction&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 93%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Other&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;12&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 93%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Nonaccruing troubled debt restructurings&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4,111&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,541&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 93%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total nonaccrual loans, including nonaccruing TDRs&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;6,794&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;5,830&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 93%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Other real estate owned&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 93%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total nonperforming assets&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;6,794&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;5,830&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 93%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Nonperforming assets as a percentage of:&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 93%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Total assets&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;0.30%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;0.31%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 93%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Gross loans&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;0.35%&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;0.35%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 93%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total loans over 90 days past due&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,038&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;458&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 93%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Loans over 90 days past due and still accruing&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 93%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Accruing TDRs&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;5,219&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;6,742&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock>
    <us-gaap:ImpairedFinancingReceivablesTableTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The table below summarizes key information for impaired loans. Our impaired loans include loans on nonaccrual status and loans modified in a TDR, whether on accrual or nonaccrual status. These impaired loans may have estimated impairment which is included in the allowance for loan losses. Our commercial and consumer impaired loans are evaluated individually to determine the related allowance for loan losses.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse"&gt;&#13;&#13;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="3" style="border-top: Black 1.5pt solid; width: 7%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&amp;#160;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="3" style="border-bottom: Black 1pt solid; width: 7%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;December 31, 2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="3" style="border-bottom: Black 1pt solid; width: 7%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Recorded investment&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Impaired loans&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Impaired loans&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Unpaid&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;with no related&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;with related&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Related&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Principal&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Impaired&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;allowance for&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;allowance for&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;allowance for&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Balance&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;loans&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;loan losses&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;loan losses&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;loan losses&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Commercial&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Owner occupied RE&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,791&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,726&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,270&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;456&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;75&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Non-owner occupied RE&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4,512&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4,051&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,419&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,632&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;465&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Construction&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Business&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,620&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,531&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;558&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;973&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;452&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 30pt; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total commercial&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;8,923&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;8,308&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;5,247&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;3,061&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;992&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Consumer&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Real estate&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,727&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,720&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,638&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,082&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;364&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Home equity&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;885&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;838&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;459&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;379&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;66&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Construction&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Other&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;147&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;147&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;147&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13; 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  &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;3,705&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,097&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,608&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;446&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; padding-left: 45pt; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;12,682&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;12,013&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7,344&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4,669&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,438&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&#13;&#13;&#13;&lt;p style="text-align: center"&gt;&lt;/p&gt;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse"&gt;&#13;&#13;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="3" style="border-top: Black 1.5pt solid; width: 7%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&amp;#160;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="3" style="border-bottom: Black 1pt solid; width: 7%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;December 31, 2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="3" style="border-bottom: Black 1pt solid; width: 7%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Recorded investment&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Impaired loans&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Impaired loans&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Unpaid&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;with no related&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;with related&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Related&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Principal&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Impaired&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;allowance for&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;allowance for&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;allowance for&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Balance&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;loans&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;loan losses&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;loan losses&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;loan losses&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Commercial&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Owner occupied RE&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,827&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,762&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,311&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;451&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;75&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Non-owner occupied RE&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;3,321&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,807&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;603&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,204&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;558&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Construction&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Business&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;3,745&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,520&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;515&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,005&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;895&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 30pt; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total commercial&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;9,893&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;8,089&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;3,429&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4,660&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,528&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Consumer&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Real estate&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,993&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,892&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,494&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,398&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;456&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Home equity&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,935&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,421&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,421&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Construction&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Other&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;170&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;170&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;170&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;30&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 30pt; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total consumer&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;5,098&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4,483&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,915&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,568&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;486&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; padding-left: 45pt; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;14,991&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;12,572&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;6,344&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;6,228&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,014&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ImpairedFinancingReceivablesTableTextBlock>
    <sfst:SummaryOfAverageRecordedInvestmentInImpairedLoansAndAmountOfInterestIncomeTableTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The following table provides the average recorded investment in impaired loans and the amount of interest income recognized on impaired loans after impairment by portfolio segment and class.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt"&gt;&#13;&#13;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td colspan="14" style="border-top: Black 1.5pt solid; width: 100%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&amp;#160;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 75%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="12" style="border-bottom: Black 1pt solid; width: 24%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Year ended December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 75%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="4" style="border-bottom: Black 1pt solid; width: 8%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="3" style="border-bottom: Black 1pt solid; width: 7%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="3" style="border-bottom: Black 1pt solid; width: 7%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2017&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 75%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Average&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Recognized&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Average&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Recognized&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Average&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&amp;#160;&amp;#160;&amp;#160; &lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Recognized&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 75%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;recorded&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;interest&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;recorded&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;interest&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;recorded&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;interest&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 75%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;investment&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;income&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;investment&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;income&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;investment&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;income&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 75%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Commercial&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&amp;#160;&amp;#160;&amp;#160; &lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 75%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Owner occupied RE&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,739&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;128&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,784&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;142&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,255&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;104&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 75%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Non-owner occupied RE&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4,161&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;255&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,860&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;174&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4,144&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;199&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 75%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Construction&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 75%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Business&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,582&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;79&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,883&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;162&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,823&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;162&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 30pt; width: 75%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total commercial&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13; 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width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;8,527&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;478&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;9,222&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;465&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 75%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Consumer&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 75%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Real estate&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,771&lt;/font&gt;&lt;/td&gt;&#13;&#13; 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  &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,047&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;69&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 75%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Home equity&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;853&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;42&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,453&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; 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border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;5&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;174&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;5&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;174&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;6&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 30pt; width: 75%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total consumer&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;3,777&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;178&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4,557&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;255&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;3,797&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;172&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; padding-left: 45pt; width: 75%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;12,259&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;640&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;13,084&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;733&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;13,019&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;637&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</sfst:SummaryOfAverageRecordedInvestmentInImpairedLoansAndAmountOfInterestIncomeTableTextBlock>
    <us-gaap:AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The following table summarizes the activity related to our allowance for loan losses:&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse"&gt;&#13;&#13;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 85%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="8" style="border-top: Black 1.5pt solid; width: 13%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&amp;#160;&lt;/font&gt;&lt;/b&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 85%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="8" style="border-bottom: Black 1pt solid; width: 13%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Year ended December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 85%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2017&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 85%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Balance, beginning of period&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;15,762&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;15,523&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;14,855&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 85%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Provision for loan losses&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,300&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,900&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,000&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 85%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Loan charge-offs:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 85%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Commercial&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-width: medium; border-style: none; padding-left: 15pt; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-width: medium; border-style: none; padding-left: 15pt; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-width: medium; border-style: none; padding-left: 15pt; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 85%; white-space: nowrap; text-align: left; padding-left: 30pt"&gt;&lt;font style="font: x-small Arial"&gt;Owner occupied RE&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(110&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 85%; white-space: nowrap; text-align: left; padding-left: 30pt"&gt;&lt;font style="font: x-small Arial"&gt;Non-owner occupied RE&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(239&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(432&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(589&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 85%; white-space: nowrap; text-align: left; padding-left: 30pt"&gt;&lt;font style="font: x-small Arial"&gt;Construction&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 30pt; width: 85%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Business&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(910&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(695&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(638&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 45pt; width: 85%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total commercial&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(1,259&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(1,127&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(1,227&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 85%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Consumer&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-width: medium; border-style: none; padding-left: 15pt; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-width: medium; border-style: none; padding-left: 15pt; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-width: medium; border-style: none; padding-left: 15pt; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 85%; white-space: nowrap; text-align: left; padding-left: 30pt"&gt;&lt;font style="font: x-small Arial"&gt;Real estate&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(749&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 85%; white-space: nowrap; text-align: left; padding-left: 30pt"&gt;&lt;font style="font: x-small Arial"&gt;Home equity&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(174&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(217&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(400&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 85%; white-space: nowrap; text-align: left; padding-left: 30pt"&gt;&lt;font style="font: x-small Arial"&gt;Construction&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 30pt; width: 85%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Other&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(82&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(53&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(11&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 45pt; width: 85%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total consumer&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(256&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(1,019&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(411&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 60pt; width: 85%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total loan charge-offs&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(1,515&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(2,146&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(1,638&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 85%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Loan recoveries:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 85%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Commercial&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-width: medium; border-style: none; padding-left: 15pt; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-width: medium; border-style: none; padding-left: 15pt; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-width: medium; border-style: none; padding-left: 15pt; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 85%; white-space: nowrap; text-align: left; padding-left: 30pt"&gt;&lt;font style="font: x-small Arial"&gt;Owner occupied RE&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 85%; white-space: nowrap; text-align: left; padding-left: 30pt"&gt;&lt;font style="font: x-small Arial"&gt;Non-owner occupied RE&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;132&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;119&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 85%; white-space: nowrap; text-align: left; padding-left: 30pt"&gt;&lt;font style="font: x-small Arial"&gt;Construction&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 30pt; width: 85%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Business&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;43&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;229&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;86&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 45pt; width: 85%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total commercial&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;45&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;361&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;205&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 85%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Consumer&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-width: medium; border-style: none; padding-left: 15pt; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-width: medium; border-style: none; padding-left: 15pt; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-width: medium; border-style: none; padding-left: 15pt; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 85%; white-space: nowrap; text-align: left; padding-left: 30pt"&gt;&lt;font style="font: x-small Arial"&gt;Real estate&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;37&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;5&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;86&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 85%; white-space: nowrap; text-align: left; padding-left: 30pt"&gt;&lt;font style="font: x-small Arial"&gt;Home equity&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;115&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;13&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 85%; white-space: nowrap; text-align: left; padding-left: 30pt"&gt;&lt;font style="font: x-small Arial"&gt;Construction&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 30pt; width: 85%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Other&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;11&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 45pt; width: 85%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total consumer&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;50&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;124&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;101&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 60pt; width: 85%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total recoveries&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;95&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;485&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;306&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 75pt; width: 85%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Net loan charge-offs&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(1,420&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(1,661&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(1,332&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 85%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Balance, end of period&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;16,642&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;15,762&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;15,523&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock>
    <sfst:SummaryOfAllowanceForLoanLossesByCommercialAndConsumerPortfolioSegmentsTableTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The following tables summarize the activity in the allowance for loan losses by our commercial and consumer portfolio segments.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 100%"&gt;&#13;&#13;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 81%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="4" style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&amp;#160;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="8" style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Year ended December 31, 2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Commercial&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Consumer&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Total&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Balance, beginning of period&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;10,768&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4,994&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/font&gt;&lt;/td&gt;&#13;&#13;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;15,762&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Provision&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,818&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;482&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,300&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Loan charge-offs&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(1,259&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(256&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(1,515&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 15pt; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Loan recoveries&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;45&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;50&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;95&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 30pt; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Net loan charge-offs&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(1,214&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(206&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(1,420&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Balance, end of period&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;11,372&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;5,270&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;16,642&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr&gt;&#13;&#13;   &lt;td colspan="11"&gt;&amp;#160;&amp;#160; &lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="8" style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Year ended December 31, 2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Commercial&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Consumer&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Total&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Balance, beginning of period&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;9,937&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;5,586&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;15,523&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Provision&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,597&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;303&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,900&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Loan charge-offs&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(1,127&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(1,019&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(2,146&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 15pt; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Loan recoveries&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;361&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;124&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;485&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 30pt; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Net loan charge-offs&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(766&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(895&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(1,661&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Balance, end of period&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;10,768&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4,994&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;15,762&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</sfst:SummaryOfAllowanceForLoanLossesByCommercialAndConsumerPortfolioSegmentsTableTextBlock>
    <sfst:ImpairmentMethodologyForCreditLossesOnFinancingReceivablesTableTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The following table disaggregates our allowance for loan losses and recorded investment in loans by method of impairment evaluation.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse"&gt;&#13;&#13;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 75%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&amp;#160;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="3" style="border-top: Black 1.5pt solid; width: 7%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 75%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="12" style="border-bottom: Black 1pt solid; width: 24%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;December 31, 2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 75%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="6" style="border-bottom: Black 1pt solid; width: 12%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Allowance for loan losses&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="5" style="border-bottom: Black 1pt solid; width: 11%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Recorded investment in loans&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 75%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Commercial&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Consumer&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Total&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Commercial&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Consumer&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Total&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 75%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Individually evaluated&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;992&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;446&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,438&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;8,308&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;3,705&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;12,013&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 75%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Collectively evaluated&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;10,380&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4,824&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;15,204&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,290,030&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;641,482&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,931,512&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; padding-left: 15pt; width: 75%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;11,372&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;5,270&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;16,642&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,298,338&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;645,187&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,943,525&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr&gt;&#13;&#13;   &lt;td colspan="14" style="width: 100%"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 75%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="12" style="border-bottom: Black 1pt solid; width: 24%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;December 31, 2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 75%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="6" style="border-bottom: Black 1pt solid; width: 12%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Allowance for loan losses&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black medium none; border-right: Black medium none; border-left: Black medium none; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="5" style="border-bottom: Black 1pt solid; width: 11%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Recorded investment in loans&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 75%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Commercial&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Consumer&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Total&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Commercial&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Consumer&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Total&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 75%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Individually evaluated&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,528&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;486&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,014&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;8,089&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4,483&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;12,572&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 75%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Collectively evaluated&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;9,240&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4,508&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;13,748&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,120,616&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;544,144&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,664,760&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; padding-left: 15pt; width: 75%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;10,768&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4,994&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;15,762&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,128,705&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;548,627&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,677,332&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</sfst:ImpairmentMethodologyForCreditLossesOnFinancingReceivablesTableTextBlock>
    <us-gaap:TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The following table summarizes the concession at the time of modification and the recorded investment in our TDRs before and after their modification.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse"&gt;&#13;&#13;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 77%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="7" style="border-top: Black 1.5pt solid; width: 10%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&amp;#160;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 77%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="15" style="border-bottom: Black 1pt solid; width: 22%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;For the year ended December 31, 2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 77%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Pre-&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Post-&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 77%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;modification&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;modification&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 77%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Renewals&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Reduced&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Converted&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Maturity&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Total&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;outstanding&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;outstanding&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 77%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;deemed a&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;or deferred&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;to interest&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160; &lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;date&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;number&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;recorded&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;recorded&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 77%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;concession&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;payments&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;only&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;extensions&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;of loans&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;investment&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Investment&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 77%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Commercial&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 77%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Business&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160; $&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,823&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,823&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; padding-left: 30pt; width: 77%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total loans&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,823&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,823&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr&gt;&#13;&#13;   &lt;td colspan="17" style="width: 100%"&gt;&amp;#160; &lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 77%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="15" style="border-bottom: Black 1pt solid; width: 22%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;For the year ended December 31, 2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 77%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Pre-&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Post-&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 77%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;modification&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;modification&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 77%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Renewals&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Reduced&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Converted&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Maturity&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Total&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;outstanding&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;outstanding&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 77%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;deemed a&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;or deferred&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;to interest&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;date&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;number&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;recorded&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;recorded&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 77%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;concession&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;payments&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;only&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;extensions&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;of loans&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;investment&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Investment&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 77%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Commercial&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 77%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Owner occupied RE&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;506&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;592&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 77%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Non-owner occupied RE&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,287&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,287&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 77%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Business&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,207&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,532&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 77%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Consumer&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 77%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Real estate&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;549&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;669&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; padding-left: 30pt; width: 77%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total loans&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;8&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;3,549&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4,080&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock>
    <us-gaap:PropertyPlantAndEquipmentTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;Property and equipment are stated at cost less accumulated depreciation. Components of property and equipment included in the consolidated balance sheets are as follows:&lt;/font&gt;&lt;/p&gt; &#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 100%"&gt; &#13; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="border-top: #000000 1.5pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="border-top: #000000 1.5pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td colspan="6" style="border-top: #000000 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td colspan="5" style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td colspan="2" style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt; &#13;   &lt;td style="width: 93%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Land&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; vertical-align: middle"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;11,531&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;6,827&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Buildings&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="white-space: nowrap; text-align: right; vertical-align: middle"&gt;&lt;/td&gt; &#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;24,136&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;24,064&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt; &#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Leasehold improvements&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="white-space: nowrap; text-align: right; vertical-align: middle"&gt;&lt;/td&gt; &#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4,486&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,899&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Furniture and equipment&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="white-space: nowrap; text-align: right; vertical-align: middle"&gt;&lt;/td&gt; &#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;10,219&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;8,890&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt; &#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Software&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="white-space: nowrap; text-align: right; vertical-align: middle"&gt;&lt;/td&gt; &#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;367&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;329&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom"&gt;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Construction in process &lt;/font&gt;&lt;/td&gt;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="white-space: nowrap; text-align: right; vertical-align: middle"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;939&lt;/font&gt;&lt;/td&gt;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;281&lt;/font&gt;&lt;/td&gt;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;   &lt;td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Accumulated depreciation and amortization &lt;/font&gt;&lt;/td&gt;&#13;   &lt;td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right; vertical-align: middle"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(12,705&lt;/font&gt;&lt;/td&gt;&#13;   &lt;td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;   &lt;td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(10,860&lt;/font&gt;&lt;/td&gt;&#13;   &lt;td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Property and equipment, excluding ROU assets&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="white-space: nowrap; text-align: right; vertical-align: middle"&gt;&lt;/td&gt; &#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;38,973&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;32,430&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;ROU assets &lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right; vertical-align: middle"&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;19,505&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="border-bottom: #000000 1.5pt solid; padding-left: 15pt; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total property and equipment&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1.5pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1.5pt solid; white-space: nowrap; text-align: right; vertical-align: middle"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1.5pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;58,478&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1.5pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1.5pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1.5pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;32,430&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:PropertyPlantAndEquipmentTextBlock>
    <sfst:ScheduleOfEstimatedUsefulLivesOfPropertyPlantAndEquipmentTableTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The estimated useful lives for the principal items follow:&lt;/font&gt;&lt;/p&gt; &#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 100%"&gt; &#13; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="border-top: #000000 1.5pt solid; width: 49%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt; &#13;   &lt;td style="border-top: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt; &#13;   &lt;td style="border-top: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 49%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Type of Asset&lt;/font&gt;&lt;/b&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Life in Years&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt; &#13;   &lt;td style="width: 49%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Software&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;3&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="width: 49%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Furniture and equipment&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;5 to 7&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt; &#13;   &lt;td style="width: 49%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Leasehold improvements&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;5 to 15&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt; &#13;&lt;tr style="vertical-align: bottom"&gt; &#13;   &lt;td style="border-bottom: #000000 1.5pt solid; width: 49%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Buildings&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt; &#13;   &lt;td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;40&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</sfst:ScheduleOfEstimatedUsefulLivesOfPropertyPlantAndEquipmentTableTextBlock>
    <us-gaap:OtherRealEstateRollForwardTableTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The following summarizes the activity in the real estate acquired in settlement of loans portion of other real estate owned:&lt;/font&gt;&lt;/p&gt; &#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 100%"&gt;&#13;&#13;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-top: #000000 1.5pt solid; width: 93%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="5" style="border-top: #000000 1.5pt solid; width: 5%; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 93%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="5" style="border-bottom: #000000 1pt solid; width: 5%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;For the year ended December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 93%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: #000000 1pt solid; width: 2%; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: #000000 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 93%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Balance, beginning of year&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;242&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 93%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Additions&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 93%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Sales&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(125&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 93%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Write-downs, net&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(117&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: #000000 1.5pt solid; width: 93%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Balance, end of year&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:OtherRealEstateRollForwardTableTextBlock>
    <us-gaap:FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTableTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;For Level 3 assets and liabilities measured at fair value on a recurring or nonrecurring basis as of December 31, 2019, the significant unobservable inputs used in the fair value measurements were as follows:&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 100%"&gt;&#13;&#13;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 25%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 22%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Valuation Technique&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 30%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Significant Unobservable Inputs&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 20%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Range of Inputs&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="vertical-align: top; width: 25%; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;Impaired loans&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="vertical-align: top; width: 1%; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="vertical-align: top; width: 22%; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;Appraised Value/&lt;br /&gt;Discounted Cash Flows&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="vertical-align: top; width: 1%; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="vertical-align: top; width: 30%; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;Discounts to appraisals or cash flows for estimated holding and/or selling costs or age of appraisal&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="vertical-align: top; width: 1%; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="vertical-align: top; width: 20%; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;0-25%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="vertical-align: top; width: 25%; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Other real estate owned&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="vertical-align: top; width: 1%; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="vertical-align: top; width: 22%; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Appraised Value/&lt;br /&gt;Comparable Sales&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="vertical-align: top; width: 1%; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="vertical-align: top; width: 30%; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Discounts to appraisals for estimated holding or selling costs&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="vertical-align: top; width: 1%; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="vertical-align: top; width: 20%; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;0-25%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTableTextBlock>
    <us-gaap:ScheduleOfQuarterlyFinancialInformationTableTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;div align="left"&gt;&lt;table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 100%"&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="8" style="border-bottom: Black 1pt solid; width: 8%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="8" style="border-bottom: Black 1pt solid; width: 8%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;For the quarters ended&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 91%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands, except share data)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;March 31&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;June 30&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;September 30&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;December 31&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Interest income&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;21,612&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;23,088&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;24,056&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;23,896&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 91%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Interest expense&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;5,794&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;6,549&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;6,777&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;6,263&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Net interest income&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;15,818&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;16,539&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;17,279&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;17,633&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Provision for loan losses&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;300&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;300&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;650&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,050&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Noninterest income&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,994&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4,090&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4,396&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;3,503&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 91%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Noninterest expenses&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;10,648&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;11,368&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;11,484&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;10,973&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Income before income tax expense&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7,864&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;8,961&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;9,541&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;9,113&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 91%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Income tax expense&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,855&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,722&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,129&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,915&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 91%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Net income available to common shareholders&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;6,009&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7,239&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7,412&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7,198&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Earnings per common share&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Basic&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;0.81&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;0.97&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;0.98&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;0.94&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Diluted&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;0.78&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;0.93&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;0.95&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;0.92&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Weighted average common shares outstanding&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Basic&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7,459,342&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7,495,508&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7,548,184&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7,608,241&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; padding-left: 15pt; width: 91%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Diluted&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7,741,860&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7,756,044&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7,780,504&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7,810,922&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="8" style="border-bottom: Black 1pt solid; width: 8%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="8" style="border-bottom: Black 1pt solid; width: 8%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;For the quarters ended&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 91%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;March 31&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;June 30&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;September 30&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;December 31&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Interest income&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;17,178&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;18,535&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;19,865&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;21,079&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 91%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Interest expense&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;3,136&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;3,923&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4,364&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;5,082&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Net interest income&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;14,042&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;14,612&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;15,501&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;15,997&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Provision for loan losses&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;500&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;400&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;400&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;600&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Noninterest income&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,420&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,771&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,533&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,477&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 91%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Noninterest expenses&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;9,205&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;9,979&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;10,188&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;10,391&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Income before income tax expense&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;6,757&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7,004&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7,446&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7,483&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 91%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Income tax expense&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,543&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,494&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,664&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,700&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 91%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Net income available to common shareholders&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;5,214&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;5,510&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;5,782&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;5,783&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Earnings per common share&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Basic&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;0.71&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;0.75&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;0.78&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;0.78&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Diluted&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;0.67&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;0.71&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;0.75&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;0.75&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Weighted average common shares outstanding&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 91%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Basic&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7,336,839&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13; 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    <us-gaap:DebtInstrumentMaturityDate contextRef="Context_Custom_01_Dec_2005T00_00_00_TO_22_Dec_2005T00_00_00_RelatedPartyTransactionsByRelatedPartyAxis_GreenvilleFirstStatutoryTrustTwoMember">2035-12-22</us-gaap:DebtInstrumentMaturityDate>
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    <sfst:DescriptionOfWallStreetReformAndConsumerProtectionAct contextRef="From2019-01-01to2019-12-31">Dodd-Frank Act prohibit institutions that had more than $15 billion in assets on December 31, 2009 from including trust preferred securities as Tier 1 capital beginning in 2013, with one-third phased out over the two years ending in 2015. Financial institutions with less than $15 billion in total assets, such as the Bank, may continue to include their trust preferred securities issued prior to May 19, 2010 in Tier 1 capital, but cannot include in Tier 1 capital trust preferred securities issued after such date.</sfst:DescriptionOfWallStreetReformAndConsumerProtectionAct>
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    <sfst:DeferredTaxAssetsLeaseLiabilities contextRef="AsOf2019-12-31" unitRef="USD" decimals="-3">4219000</sfst:DeferredTaxAssetsLeaseLiabilities>
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    <us-gaap:FairValueDisclosuresTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;NOTE 14 &amp;#8211; Fair Value Accounting&lt;/font&gt;&lt;/b&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;FASB ASC 820, &amp;#8220;Fair Value Measurement and Disclosures Topic,&amp;#8221; defines fair value as the exchange price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. FASB ASC 820 also establishes a fair value hierarchy which requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. The standard describes three levels of inputs that may be used to measure fair value:&lt;/font&gt;&lt;/p&gt; &#13;&lt;div style="margin-left: 15pt; text-align: justify"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Level 1 &amp;#8211; Quoted market price in active markets&lt;br /&gt;&lt;/font&gt;&lt;/b&gt;&lt;font style="font: x-small Arial"&gt;Quoted prices in active markets for identical assets or liabilities. Level 1 assets and liabilities include certain debt and equity securities that are traded in an active exchange market.&lt;/font&gt;&lt;/div&gt; &#13;&lt;div style="margin-left: 15pt; text-align: justify"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Level 2 &amp;#8211; Significant other observable inputs&lt;br /&gt;&lt;/font&gt;&lt;/b&gt;&lt;font style="font: x-small Arial"&gt;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 for substantially the full term of the assets or liabilities. Level 2 assets and liabilities include fixed income securities and mortgage-backed securities that are held in the Company&amp;#8217;s available-for-sale portfolio and valued by a third-party pricing service, as well as certain impaired loans.&lt;/font&gt;&lt;/div&gt; &#13;&lt;div style="margin-left: 15pt; text-align: justify"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Level 3 &amp;#8211; Significant unobservable inputs&lt;br /&gt;&lt;/font&gt;&lt;/b&gt;&lt;font style="font: x-small Arial"&gt;Unobservable inputs that are supported by little or no market activity and that are significant to the fair value of the assets or liabilities. Level 3 assets and liabilities include financial instruments whose value is determined using pricing models, discounted cash flow methodologies, or similar techniques, as well as instruments for which the determination of fair value requires significant management judgment or estimation. These methodologies may result in a significant portion of the fair value being derived from unobservable data.&lt;/font&gt;&lt;/div&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;Fair Value of Financial Instruments&lt;br /&gt;&lt;/font&gt;&lt;/i&gt;&lt;font style="font: x-small Arial"&gt;Financial instruments require disclosure of fair value information, whether or not recognized in the consolidated balance sheets, when it is practical to estimate the fair value. A financial instrument is defined as cash, evidence of an ownership interest in an entity or a contractual obligation which requires the exchange of cash. Certain items are specifically excluded from the disclosure requirements, including the Company&amp;#8217;s common stock, premises and equipment and other assets and liabilities.&lt;/font&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The following is a description of valuation methodologies used to estimate fair value for assets recorded at fair value. Fair value approximates carrying value for the following financial instruments due to the short-term nature of the instrument: cash and due from banks, federal funds sold, other investments, federal funds purchased, and securities sold under agreement to repurchase.&lt;/font&gt;&lt;/p&gt; &#13;&#13;&#13; &#13;&lt;p style="text-align: justify"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;Investment Securities&lt;br /&gt;&lt;/font&gt;&lt;/i&gt;&lt;font style="font: x-small Arial"&gt;Securities available for sale are valued on a recurring basis at quoted market prices where available. If quoted market prices are not available, fair values are based on quoted market prices of comparable securities. Level 1 securities include those traded on an active exchange, such as the New York Stock Exchange or U.S. Treasury securities that are traded by dealers or brokers in active over-the-counter markets and money market funds. Level 2 securities include mortgage-backed securities and debentures issued by government sponsored entities, municipal bonds and corporate debt securities. In certain cases where there is limited activity or less transparency around inputs to valuations, securities are classified as Level 3 within the valuation hierarchy. Securities held to maturity are valued at quoted market prices or dealer quotes similar to securities available for sale. The carrying value of Other Investments, such as Federal Reserve Bank and FHLB stock, approximates fair value based on their redemption provisions.&lt;/font&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;Mortgage Loans Held for Sale&lt;br /&gt;&lt;/font&gt;&lt;/i&gt;&lt;font style="font: x-small Arial"&gt;Loans held for sale include mortgage loans which are saleable into the secondary mortgage markets and their fair values are estimated using observable quoted market or contracted prices or market price equivalents, which would be used by other market participants. These saleable loans are considered Level 2.&lt;/font&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;Impaired Loans&lt;br /&gt;&lt;/font&gt;&lt;/i&gt;&lt;font style="font: x-small Arial"&gt;The Company does not record loans at fair value on a recurring basis. However, from time to time, a loan may be considered impaired and an allowance for loan losses may be established. Loans for which it is probable that payment of interest and principal will not be made in accordance with the contractual terms of the loan agreement are considered impaired. Once a loan is identified as individually impaired, management measures the impairment in accordance with FASB ASC 310, &amp;#8220;Receivables.&amp;#8221; The fair value of impaired loans is estimated using one of several methods, including collateral value, market value of similar debt, enterprise value, liquidation value and discounted cash flows. Those impaired loans not requiring an allowance represent loans for which the fair value of the expected repayments or collateral exceed the recorded investments in such loans. In accordance with FASB ASC 820, &amp;#8220;Fair Value Measurement and Disclosures,&amp;#8221; impaired loans where an allowance is established based on the fair value of collateral require classification in the fair value hierarchy. When the fair value of the collateral is based on an observable market price or a current appraised value, the Company considers the impaired loan as nonrecurring Level 2. The Company&amp;#8217;s current loan and appraisal policies require the Company to obtain updated appraisals on an &amp;#8220;as is&amp;#8221; basis at renewal, or in the case of an impaired loan, on an annual basis, either through a new external appraisal or an appraisal evaluation. When an appraised value is not available or management determines the fair value of the collateral is further impaired below the appraised value and there is no observable market price, the Company considers the impaired loan as nonrecurring Level 3. The fair value of impaired loans may also be estimated using the present value of expected future cash flows to be realized on the loan, which is also considered a Level 3 valuation. These fair value estimates are subject to fluctuations in assumptions about the amount and timing of expected cash flows as well as the choice of discount rate used in the present value calculation.&lt;/font&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;Other Real Estate Owned&lt;br /&gt;&lt;/font&gt;&lt;/i&gt;&lt;font style="font: x-small Arial"&gt;OREO, consisting of properties obtained through foreclosure or in satisfaction of loans, is reported at the lower of cost or fair value, determined on the basis of current appraisals, comparable sales, and other estimates of value obtained principally from independent sources, adjusted for estimated selling costs (Level 2). At the time of foreclosure, any excess of the loan balance over the fair value of the real estate held as collateral is treated as a charge against the allowance for loan losses. Gains or losses on sale and generally any subsequent adjustments to the value are recorded as a component of real estate owned activity. When an appraised value is not available or management determines the fair value of the collateral is further impaired below the appraised value and there is no observable market price, the Company considers the OREO as nonrecurring Level 3.&lt;/font&gt;&lt;/p&gt; &#13;&lt;p style="text-align: justify"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;Derivative Financial Instruments&lt;br /&gt;&lt;/font&gt;&lt;/i&gt;&lt;font style="font: x-small Arial"&gt;The Company estimates the fair value of IRLCs based on the value of the underlying mortgage loan, quoted MBS prices and an estimate of the probability that the mortgage loan will fund within the terms of the IRLC, net of commission expenses (Level 2). The Company estimates the fair value of forward sales commitments based on quoted MBS prices (Level 2).&lt;/font&gt;&lt;/p&gt; &#13;&#13;&#13;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;Assets and Liabilities Recorded at Fair Value on a Recurring Basis&lt;br /&gt;&lt;/font&gt;&lt;/i&gt;&lt;font style="font: x-small Arial"&gt;The tables below present the recorded amount of assets and liabilities measured at fair value on a recurring basis.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 100%"&gt;&#13;&#13;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td colspan="8" style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 83%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="8" style="border-bottom: Black 1pt solid; width: 16%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;December 31, 2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 83%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Level 1&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Level 2&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Level 3&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Total&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 83%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Assets&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 83%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Securities available for sale:&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="padding-left: 30pt; width: 83%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;US government agencies&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;499&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;499&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 83%; white-space: nowrap; text-align: left; padding-left: 30pt"&gt;&lt;font style="font: x-small Arial"&gt;SBA securities&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;531&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;531&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="padding-left: 30pt; width: 83%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;State and political subdivisions&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;4,184&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;4,184&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 83%; white-space: nowrap; text-align: left; padding-left: 30pt"&gt;&lt;font style="font: x-small Arial"&gt;Asset-backed securities&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;13,167&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;13,167&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="padding-left: 30pt; width: 83%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;Mortgage-backed securities&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;49,313&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;49,313&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 83%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Mortgage loans held for sale&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;27,046&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;27,046&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 15pt; background-color: Silver; width: 83%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Mortgage loan interest rate lock commitments&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;344&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;344&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 30pt; width: 83%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total assets measured at fair value on a recurring basis&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;95,084&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;95,084&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 83%; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 83%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Liabilities&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 83%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;MBS forward sales commitments&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;39&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;39&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; padding-left: 30pt; background-color: Silver; width: 83%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total liabilities measured at fair value on a recurring basis&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;39&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;39&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 83%; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="3" style="width: 7%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 83%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="8" style="border-bottom: Black 1pt solid; width: 16%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;December 31, 2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 83%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Level 1&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Level 2&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Level 3&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Total&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 83%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Assets&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 83%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Securities available for sale:&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="padding-left: 30pt; width: 83%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;US government agencies&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;8,782&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;8,782&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 83%; white-space: nowrap; text-align: left; padding-left: 30pt"&gt;&lt;font style="font: x-small Arial"&gt;SBA securities&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;3,525&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;3,525&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="padding-left: 30pt; width: 83%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;State and political subdivisions&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;8,356&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;8,356&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 83%; white-space: nowrap; text-align: left; padding-left: 30pt"&gt;&lt;font style="font: x-small Arial"&gt;Asset-backed securities&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;9,558&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;9,558&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="padding-left: 30pt; width: 83%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;Mortgage-backed securities&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;44,684&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;44,684&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 83%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Mortgage loans held for sale&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;9,241&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;9,241&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 15pt; background-color: Silver; width: 83%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Mortgage loan interest rate lock commitments&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;345&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;345&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 30pt; width: 83%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total assets measured at fair value on a recurring basis&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;84,491&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;84,491&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 83%; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 83%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Liabilities&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 2%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 83%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;MBS forward sales commitments&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;121&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;121&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; padding-left: 30pt; background-color: Silver; width: 83%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total liabilities measured at fair value on a recurring basis&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;121&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;121&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&#13;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;Assets and Liabilities Recorded at Fair Value on a Nonrecurring Basis&lt;br /&gt;&lt;/font&gt;&lt;/i&gt;&lt;font style="font: x-small Arial"&gt;The Company is predominantly an asset based lender with real estate serving as collateral on more than 83% of loans as of December 31, 2019. Loans which are deemed to be impaired are valued net of the allowance for loan losses, and other real estate owned is valued at the lower of cost or net realizable value of the underlying real estate collateral. Such market values are generally obtained using independent appraisals, which the Company considers to be level 2 inputs. The tables below present the recorded amount of assets and liabilities measured at fair value on a nonrecurring basis.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 100%"&gt;&#13;&#13;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td colspan="8" style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 83%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="8" style="border-bottom: Black 1pt solid; width: 16%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;December 31, 2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 83%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Level 1&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Level 2&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Level 3&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Total&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 83%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;Assets&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 83%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Impaired loans&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;5,634&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4,941&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;10,575&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 83%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total assets measured at fair value on a nonrecurring basis&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;5,634&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4,941&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;10,575&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 83%; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="8" style="width: 16%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 83%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="8" style="border-bottom: Black 1pt solid; width: 16%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;December 31, 2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 83%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Level 1&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Level 2&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Level 3&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Total&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 83%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;Assets&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 83%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Impaired loans&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,190&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;8,368&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;10,558&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 83%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total assets measured at fair value on a nonrecurring basis&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,190&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;8,368&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;10,558&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&#13;&#13;&#13;&#13;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The Company had no liabilities carried at fair value or measured at fair value on a nonrecurring basis.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;For Level 3 assets and liabilities measured at fair value on a recurring or nonrecurring basis as of December 31, 2019, the significant unobservable inputs used in the fair value measurements were as follows:&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 100%"&gt;&#13;&#13;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 25%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 22%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Valuation Technique&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 30%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Significant Unobservable Inputs&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 20%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Range of Inputs&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="vertical-align: top; width: 25%; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;Impaired loans&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="vertical-align: top; width: 1%; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="vertical-align: top; width: 22%; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;Appraised Value/&lt;br /&gt;Discounted Cash Flows&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="vertical-align: top; width: 1%; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="vertical-align: top; width: 30%; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;Discounts to appraisals or cash flows for estimated holding and/or selling costs or age of appraisal&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="vertical-align: top; width: 1%; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="vertical-align: top; width: 20%; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;0-25%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="vertical-align: top; width: 25%; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Other real estate owned&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="vertical-align: top; width: 1%; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="vertical-align: top; width: 22%; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Appraised Value/&lt;br /&gt;Comparable Sales&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="vertical-align: top; width: 1%; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="vertical-align: top; width: 30%; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Discounts to appraisals for estimated holding or selling costs&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="vertical-align: top; width: 1%; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="vertical-align: top; width: 20%; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;0-25%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&#13;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;Fair Value of Financial Instruments&lt;br /&gt;&lt;/font&gt;&lt;/i&gt;&lt;font style="font: x-small Arial"&gt;Financial instruments require disclosure of fair value information, whether or not recognized in the consolidated balance sheets, when it is practical to estimate the fair value. A financial instrument is defined as cash, evidence of an ownership interest in an entity or a contractual obligation which requires the exchange of cash. Certain items are specifically excluded from the disclosure requirements, including the Company&amp;#8217;s common stock, premises and equipment and other assets and liabilities.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The following is a description of valuation methodologies used to estimate fair value for certain other financial instruments.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;Fair value approximates carrying value for the following financial instruments due to the short-term nature of the instrument: cash and due from banks, federal funds sold, other investments, federal funds purchased, and securities sold under agreement to repurchase.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;Loans &lt;/font&gt;&lt;/i&gt;&lt;font style="font: x-small Arial"&gt;&amp;#8211; The valuation of loans held for investment is estimated using the exit price notion which incorporates factors, such as enhanced credit risk, illiquidity risk and market factors that sometimes exist in exit prices in dislocated markets. This credit risk assumption is intended to approximate the fair value that a market participant would realize in a hypothetical orderly transaction. The Company&amp;#8217;s loan portfolio is initially fair valued using a segmented approach, using the eight categories as disclosed in Note 4 &amp;#8211; Loans and Allowance for Loan Losses. Loans are considered a Level 3 classification.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;Deposits &amp;#8211; &lt;/font&gt;&lt;/i&gt;&lt;font style="font: x-small Arial"&gt;Fair value for demand deposit accounts and interest-bearing accounts with no fixed maturity date is equal to the carrying value. The fair value of certificate of deposit accounts are estimated by discounting cash flows from expected maturities using current interest rates on similar instruments.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;FHLB Advances and Other Borrowings &amp;#8211; &lt;/font&gt;&lt;/i&gt;&lt;font style="font: x-small Arial"&gt;Fair value for FHLB advances and other borrowings are estimated by discounting cash flows from expected maturities using current interest rates on similar instruments.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;Subordinated debentures &lt;/font&gt;&lt;/i&gt;&lt;font style="font: x-small Arial"&gt;&amp;#8211; Fair value for subordinated debentures are estimated by discounting cash flows from expected maturities using current interest rates on similar instruments.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The Company has used management&amp;#8217;s best estimate of fair value based on the above assumptions. Thus, the fair values presented may not be the amounts that could be realized in an immediate sale or settlement of the instrument. In addition, any income taxes or other expenses, which would be incurred in an actual sale or settlement, are not taken into consideration in the fair value presented.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&#13;&#13;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The estimated fair values of the Company&amp;#8217;s financial instruments at December 31, 2019 and 2018 are as follows:&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 100%"&gt;&#13;&#13;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="3" style="border-top: Black 1.5pt solid; width: 7%; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="10" style="border-bottom: Black 1pt solid; width: 20%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;December 31, 2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Carrying&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Fair&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Level 1&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Level 2&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Level 3&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Financial Assets:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Other investments, at cost&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;6,948&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;6,948&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;6,948&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="background-color: Silver; width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Loans&lt;sup&gt;(1)&lt;/sup&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;1,914,870&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;1,900,216&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;1,900,216&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Financial Liabilities:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="background-color: Silver; width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Deposits&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;1,876,124&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;1,772,121&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;1,772,121&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;FHLB and other borrowings&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;110,000&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;109,737&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;109,737&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; padding-left: 15pt; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Subordinated debentures&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;35,890&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;33,250&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;33,250&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="10" style="width: 20%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="10" style="border-bottom: Black 1pt solid; width: 20%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;December 31, 2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Carrying&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Fair&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Level 1&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Level 2&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Level 3&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Financial Assets:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Other investments, at cost&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4,121&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4,121&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4,121&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="background-color: Silver; width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Loans&lt;sup&gt;(1)&lt;/sup&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;1,648,998&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;1,618,618&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;1,618,618&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Financial Liabilities:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="background-color: Silver; width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Deposits&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;1,648,136&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;1,515,123&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;1,515,123&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;FHLB and other borrowings&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;50,000&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;50,147&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;50,147&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; padding-left: 15pt; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Subordinated debentures&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;13,403&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;14,807&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;14,807&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&#13;&#13;&lt;br /&gt;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="line-height: normal; font-size: 7pt; border-collapse: collapse; width: 100%"&gt;&#13;&#13;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; padding-right: 8pt"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;sup&gt;(1)&lt;/sup&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 99%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;Carrying amount is net of the allowance for loan losses and previously presented impaired loans.&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&#13;&#13;&#13;&lt;/div&gt;</us-gaap:FairValueDisclosuresTextBlock>
    <us-gaap:FairValueByBalanceSheetGroupingTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The estimated fair values of the Company&amp;#8217;s financial instruments at December 31, 2019 and 2018 are as follows:&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 100%"&gt;&#13;&#13;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="3" style="border-top: Black 1.5pt solid; width: 7%; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="10" style="border-bottom: Black 1pt solid; width: 20%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;December 31, 2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Carrying&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Fair&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Level 1&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Level 2&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Level 3&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Financial Assets:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Other investments, at cost&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;6,948&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;6,948&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;6,948&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="background-color: Silver; width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Loans&lt;sup&gt;(1)&lt;/sup&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;1,914,870&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;1,900,216&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;1,900,216&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Financial Liabilities:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="background-color: Silver; width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Deposits&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;1,876,124&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;1,772,121&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;1,772,121&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;FHLB and other borrowings&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;110,000&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;109,737&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;109,737&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; padding-left: 15pt; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Subordinated debentures&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;35,890&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;33,250&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;33,250&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="10" style="width: 20%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="10" style="border-bottom: Black 1pt solid; width: 20%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;December 31, 2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Carrying&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Fair&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Level 1&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Level 2&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;Level 3&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Financial Assets:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Other investments, at cost&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4,121&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4,121&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4,121&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="background-color: Silver; width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Loans&lt;sup&gt;(1)&lt;/sup&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;1,648,998&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;1,618,618&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;1,618,618&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Financial Liabilities:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="background-color: Silver; width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Deposits&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;1,648,136&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;1,515,123&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;1,515,123&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;FHLB and other borrowings&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;50,000&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;50,147&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;50,147&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; padding-left: 15pt; width: 79%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Subordinated debentures&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;13,403&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;14,807&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;14,807&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&#13;&#13;&lt;br /&gt;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="line-height: normal; font-size: 7pt; border-collapse: collapse; width: 100%"&gt;&#13;&#13;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; padding-right: 8pt"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;sup&gt;(1)&lt;/sup&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 99%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;Carrying amount is net of the allowance for loan losses and previously presented impaired loans.&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:FairValueByBalanceSheetGroupingTextBlock>
    <us-gaap:IncomeTaxDisclosureTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;NOTE 17 &amp;#8211; Income Taxes&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The components of income tax expense were as follows:&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 100%"&gt;&#13;&#13;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td colspan="8" style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 85%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="8" style="border-bottom: Black 1pt solid; width: 14%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;For the years ended December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 85%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2017&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 85%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Current income taxes:&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 85%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Federal&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;6,791&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;5,536&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7,139&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 85%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;State&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,250&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;990&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;573&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 85%; white-space: nowrap; text-align: left; padding-left: 30pt"&gt;&lt;font style="font: x-small Arial"&gt;Total current tax expense&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;8,041&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;6,526&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7,712&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 85%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Deferred income tax expense (benefit)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(420&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(125&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,904&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; padding-left: 15pt; width: 85%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Income tax expense&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7,621&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;6,401&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;10,616&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&#13;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The following is a summary of the items that caused recorded income taxes to differ from taxes computed using the statutory tax rate:&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 100%"&gt;&#13;&#13;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td colspan="8" style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 84%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="8" style="border-bottom: Black 1pt solid; width: 14%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;For the years ended December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 84%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2017&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 84%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Tax expense at statutory rate&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&amp;#160;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7,451&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;6,025&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;8,281&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 84%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Effect of state income taxes, net of federal benefit&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;987&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;782&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;372&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 84%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Exempt income&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(26&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(34&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(146&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 84%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Effect of change in federal tax rate&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,441&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 84%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Effect of stock-based compensation&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(693&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(248&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(2&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 84%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Other&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(98&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(124&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(330&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; padding-left: 30pt; width: 84%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Income tax expense&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7,621&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;6,401&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;10,616&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&#13;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;Income tax expense for the year ended December 31, 2017 was impacted by the adjustment of our deferred tax assets and liabilities related to the reduction in the U.S. federal statutory income tax rate to 21% under the Tax Act, which was enacted on December 22, 2017. As a result of the new law, we recognized a provisional net tax expense totaling $2.4 million, as noted in the table above.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The components of the deferred tax assets and liabilities are as follows:&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 100%"&gt;&#13;&#13;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td colspan="4" style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 95%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="4" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 95%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 95%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Deferred tax assets:&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 95%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Allowance for loan losses&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;3,495&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;3,310&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 95%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Unrealized loss on securities available for sale&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;79&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;244&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 95%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Net deferred loan fees&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;697&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;592&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 95%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Deferred compensation&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,404&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,280&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 95%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Sale of real estate owned&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;128&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 95%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Lease liabilities&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4,219&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 95%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Other&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;234&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;130&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 95%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;10,128&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;5,684&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 95%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Deferred tax liabilities:&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 95%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Property and equipment&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,398&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,433&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 95%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Hedging transactions&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;227&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;112&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 95%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Prepaid expenses&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;132&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;107&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 95%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Right-of-use assets&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4,096&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 95%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Other&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;12&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 95%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;5,853&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,664&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; padding-left: 30pt; width: 95%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Net deferred tax asset&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: center"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4,275&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4,020&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&#13;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The Company has analyzed the tax positions taken or expected to be taken in its tax returns and concluded it has no liability related to uncertain tax positions.&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;/div&gt;</us-gaap:IncomeTaxDisclosureTextBlock>
    <us-gaap:ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;The components of the deferred tax assets and liabilities are as follows:&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 100%"&gt;&#13;&#13;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td colspan="4" style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 95%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="4" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 95%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 95%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Deferred tax assets:&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 95%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Allowance for loan losses&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;3,495&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;3,310&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 95%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Unrealized loss on securities available for sale&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;79&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;244&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 95%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Net deferred loan fees&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;697&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;592&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 95%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Deferred compensation&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,404&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,280&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 95%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Sale of real estate owned&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;128&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 95%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Lease liabilities&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4,219&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 95%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Other&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;234&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;130&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 95%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;10,128&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;5,684&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 95%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Deferred tax liabilities:&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 95%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Property and equipment&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,398&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,433&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 95%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Hedging transactions&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;227&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;112&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 95%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Prepaid expenses&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;132&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;107&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 95%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Right-of-use assets&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4,096&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 95%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Other&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;12&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 95%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;5,853&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,664&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; padding-left: 30pt; width: 95%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Net deferred tax asset&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: center"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4,275&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;4,020&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock>
    <us-gaap:CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;NOTE 25 &amp;#8211; Parent Company Financial Information&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;Following is condensed financial information of Southern First Bancshares, Inc. (parent company only):&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: center"&gt;&lt;b&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;Condensed Balance Sheets&lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;/p&gt;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 100%"&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 95%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="4" style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 95%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: left; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 95%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Assets&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 95%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Cash and cash equivalents&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7,753&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;5,389&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 95%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Investment in subsidiaries&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;234,310&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;181,919&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 95%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Other assets&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;6&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;19&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 95%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total assets&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;242,069&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;187,327&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 95%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Liabilities and Shareholders&amp;#8217; Equity&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 95%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Accounts payable and accrued expenses&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;319&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;8&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 95%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Subordinated debentures&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;35,890&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;13,403&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 95%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Shareholders&amp;#8217; equity&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;205,860&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;173,916&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; padding-left: 15pt; width: 95%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total liabilities and shareholders&amp;#8217; equity&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;242,069&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;187,327&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;                                                                                     &#13;   &#13;   &#13;&lt;/table&gt;&#13;&#13;&#13;&#13;&#13;&#13;&#13;&lt;p style="text-align: center"&gt;&lt;b&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;Condensed Statements of Income&lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;/p&gt;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 100%"&gt;&#13;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&#13;   &#13;   &#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 90%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="8" style="border-bottom: Black 1pt solid; width: 8%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;For the years ended December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 90%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2017&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 90%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Revenues&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 90%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Interest income&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;13&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;9&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;11&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 90%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Total revenue&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;13&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;9&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;11&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 90%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Expenses&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 90%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Interest expense&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;929&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;592&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;514&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 90%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Other expenses&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;240&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;240&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;246&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 90%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Total expenses&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,169&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;832&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;760&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 90%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Income tax benefit&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;243&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;173&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;262&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 90%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Loss before equity in undistributed net income of subsidiaries&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(913&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(650&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(487&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 90%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Equity in undistributed net income of subsidiaries&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;28,771&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;22,939&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;13,532&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; padding-left: 15pt; width: 90%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Net income&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;27,858&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;22,289&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;13,045&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;                                              &#13;   &#13;   &#13;&lt;/table&gt;&#13;&#13;&#13;&lt;p style="text-align: center"&gt;&lt;b&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;Condensed Statements of Cash Flows&lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;/p&gt;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 100%"&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; padding-left: 15pt; text-align: left; text-indent: -15pt; width: 90%"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right; width: 1%"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right; width: 1%"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right; width: 1%"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right; width: 1%"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="text-align: left; padding-left: 15pt; text-indent: -15pt"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="8" style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;For the years ended December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 15pt; text-align: left; text-indent: -15pt"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2017&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="text-align: left; padding-left: 15pt; text-indent: -15pt"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Operating activities&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="text-indent: -15pt; text-align: left; padding-left: 30pt"&gt;&lt;font style="font: x-small Arial"&gt;Net income&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;27,858&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;22,289&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;13,045&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="text-indent: -15pt; text-align: left; padding-left: 30pt"&gt;&lt;font style="font: x-small Arial"&gt;Adjustments to reconcile net income to cash provided by (used for) operating activities&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="text-align: left; padding-left: 45pt; text-indent: -15pt"&gt;&lt;font style="font: x-small Arial"&gt;Equity in undistributed net income of subsidiaries&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(28,771&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(22,939&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(13,532&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="text-align: left; padding-left: 45pt; text-indent: -15pt"&gt;&lt;font style="font: x-small Arial"&gt;Compensation expense related to stock options and restricted stock grants&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,698&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,502&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,258&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="text-align: left; padding-left: 45pt; text-indent: -15pt"&gt;&lt;font style="font: x-small Arial"&gt;(Increase) decrease in other assets&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;12&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;12&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,772&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; text-align: left; padding-left: 45pt; text-indent: -15pt"&gt;&lt;font style="font: x-small Arial"&gt;Increase (decrease) in accounts payable and accrued expenses&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(202&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; text-align: left; padding-left: 60pt; text-indent: -15pt"&gt;&lt;font style="font: x-small Arial"&gt;Net cash provided by operating activities&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;595&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;866&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;3,545&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="text-align: left; padding-left: 15pt; text-indent: -15pt"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Investing activities&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; text-align: left; padding-left: 45pt; text-indent: -15pt"&gt;&lt;font style="font: x-small Arial"&gt;Investment in subsidiaries, net&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(27,334&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; text-align: left; padding-left: 60pt; text-indent: -15pt"&gt;&lt;font style="font: x-small Arial"&gt;Net cash used for investing activities&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(27,334&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="text-align: left; padding-left: 15pt; text-indent: -15pt"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Financing activities&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="text-align: left; padding-left: 45pt; text-indent: -15pt"&gt;&lt;font style="font: x-small Arial"&gt;Issuance of common stock&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;24,758&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; text-align: left; padding-left: 45pt; text-indent: -15pt"&gt;&lt;font style="font: x-small Arial"&gt;Proceeds from the exercise of stock options and warrants&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,769&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;900&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;705&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; text-align: left; padding-left: 60pt; text-indent: -15pt"&gt;&lt;font style="font: x-small Arial"&gt;Net cash provided by financing activities&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,769&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;900&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;25,463&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="text-align: left; padding-left: 60pt; text-indent: -15pt"&gt;&lt;font style="font: x-small Arial"&gt;Net increase (decrease) in cash and cash equivalents&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,364&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,766&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,674&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; text-align: left; padding-left: 15pt; text-indent: -15pt"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Cash and cash equivalents, beginning of year&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;5,389&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;3,623&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,949&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; padding-left: 15pt; text-align: left; text-indent: -15pt"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Cash and cash equivalents, end of year&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7,753&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;5,389&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;3,623&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock>
    <srt:ScheduleOfCondensedFinancialStatementsTableTextBlock contextRef="From2019-01-01to2019-12-31">&lt;div&gt;&lt;p style="text-align: justify"&gt;&lt;font style="font: x-small Arial"&gt;Following is condensed financial information of Southern First Bancshares, Inc. (parent company only):&lt;/font&gt;&lt;/p&gt;&#13;&#13;&lt;p style="text-align: center"&gt;&lt;b&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;Condensed Balance Sheets&lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;/p&gt;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 100%"&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 95%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="4" style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 95%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: left; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 95%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Assets&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 95%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Cash and cash equivalents&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7,753&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;5,389&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 95%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Investment in subsidiaries&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;234,310&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;181,919&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 95%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Other assets&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;6&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;19&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 95%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total assets&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;242,069&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;187,327&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 95%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Liabilities and Shareholders&amp;#8217; Equity&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 95%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Accounts payable and accrued expenses&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;319&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;8&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 95%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Subordinated debentures&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;35,890&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;13,403&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 95%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Shareholders&amp;#8217; equity&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;205,860&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;173,916&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; padding-left: 15pt; width: 95%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Total liabilities and shareholders&amp;#8217; equity&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;242,069&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;187,327&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;                                                                                     &#13;   &#13;   &#13;&lt;/table&gt;&#13;&#13;&#13;&#13;&#13;&#13;&#13;&lt;p style="text-align: center"&gt;&lt;b&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;Condensed Statements of Income&lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;/p&gt;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 100%"&gt;&#13;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&#13;   &#13;   &#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 90%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="8" style="border-bottom: Black 1pt solid; width: 8%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;For the years ended December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 90%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2017&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 90%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Revenues&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 90%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Interest income&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;13&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;9&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;11&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 90%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Total revenue&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;13&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;9&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;11&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="width: 90%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Expenses&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 90%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Interest expense&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;929&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;592&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;514&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 90%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Other expenses&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;240&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;240&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;246&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 90%; white-space: nowrap; text-align: left; padding-left: 15pt"&gt;&lt;font style="font: x-small Arial"&gt;Total expenses&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,169&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;832&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;760&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 90%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Income tax benefit&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;243&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;173&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;262&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="width: 90%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Loss before equity in undistributed net income of subsidiaries&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(913&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(650&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(487&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 90%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Equity in undistributed net income of subsidiaries&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;28,771&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;22,939&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;13,532&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; padding-left: 15pt; width: 90%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;Net income&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;27,858&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;22,289&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;13,045&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;                                              &#13;   &#13;   &#13;&lt;/table&gt;&#13;&#13;&#13;&lt;p style="text-align: center"&gt;&lt;b&gt;&lt;i&gt;&lt;font style="font: x-small Arial"&gt;Condensed Statements of Cash Flows&lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;/p&gt;&#13;&#13;&lt;table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 100%"&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; padding-left: 15pt; text-align: left; text-indent: -15pt; width: 90%"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right; width: 1%"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right; width: 1%"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right; width: 1%"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right; width: 1%"&gt;&amp;#160;&lt;/td&gt;&#13;   &lt;td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="text-align: left; padding-left: 15pt; text-indent: -15pt"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="8" style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;For the years ended December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; padding-left: 15pt; text-align: left; text-indent: -15pt"&gt;&lt;font style="font: xx-small Arial"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;font style="font: xx-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td colspan="2" style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2019&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2018&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;b&gt;&lt;font style="font: xx-small Arial"&gt;2017&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="text-align: left; padding-left: 15pt; text-indent: -15pt"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Operating activities&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="text-indent: -15pt; text-align: left; padding-left: 30pt"&gt;&lt;font style="font: x-small Arial"&gt;Net income&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;27,858&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;22,289&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;13,045&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="text-indent: -15pt; text-align: left; padding-left: 30pt"&gt;&lt;font style="font: x-small Arial"&gt;Adjustments to reconcile net income to cash provided by (used for) operating activities&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="text-align: left; padding-left: 45pt; text-indent: -15pt"&gt;&lt;font style="font: x-small Arial"&gt;Equity in undistributed net income of subsidiaries&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(28,771&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(22,939&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(13,532&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="text-align: left; padding-left: 45pt; text-indent: -15pt"&gt;&lt;font style="font: x-small Arial"&gt;Compensation expense related to stock options and restricted stock grants&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,698&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,502&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,258&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="text-align: left; padding-left: 45pt; text-indent: -15pt"&gt;&lt;font style="font: x-small Arial"&gt;(Increase) decrease in other assets&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;12&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;12&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,772&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; text-align: left; padding-left: 45pt; text-indent: -15pt"&gt;&lt;font style="font: x-small Arial"&gt;Increase (decrease) in accounts payable and accrued expenses&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(202&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; text-align: left; padding-left: 60pt; text-indent: -15pt"&gt;&lt;font style="font: x-small Arial"&gt;Net cash provided by operating activities&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;595&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;866&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;3,545&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="text-align: left; padding-left: 15pt; text-indent: -15pt"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Investing activities&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; text-align: left; padding-left: 45pt; text-indent: -15pt"&gt;&lt;font style="font: x-small Arial"&gt;Investment in subsidiaries, net&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(27,334&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; text-align: left; padding-left: 60pt; text-indent: -15pt"&gt;&lt;font style="font: x-small Arial"&gt;Net cash used for investing activities&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;(27,334&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="text-align: left; padding-left: 15pt; text-indent: -15pt"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Financing activities&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="text-align: left; padding-left: 45pt; text-indent: -15pt"&gt;&lt;font style="font: x-small Arial"&gt;Issuance of common stock&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;-&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;24,758&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; text-align: left; padding-left: 45pt; text-indent: -15pt"&gt;&lt;font style="font: x-small Arial"&gt;Proceeds from the exercise of stock options and warrants&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,769&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;900&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;705&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; text-align: left; padding-left: 60pt; text-indent: -15pt"&gt;&lt;font style="font: x-small Arial"&gt;Net cash provided by financing activities&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,769&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;900&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;25,463&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="text-align: left; padding-left: 60pt; text-indent: -15pt"&gt;&lt;font style="font: x-small Arial"&gt;Net increase (decrease) in cash and cash equivalents&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;2,364&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,766&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,674&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom; background-color: Silver"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; text-align: left; padding-left: 15pt; text-indent: -15pt"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Cash and cash equivalents, beginning of year&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;5,389&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;3,623&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;1,949&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;&#13;&#13;&lt;tr style="vertical-align: bottom"&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; padding-left: 15pt; text-align: left; text-indent: -15pt"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;Cash and cash equivalents, end of year&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&lt;b&gt;&lt;font style="font: x-small Arial"&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;$&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;7,753&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;5,389&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"&gt;&lt;font style="font: x-small Arial"&gt;3,623&lt;/font&gt;&lt;/td&gt;&#13;&#13;   &lt;td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"&gt;&lt;/td&gt;&lt;/tr&gt;                                              &#13;   &#13;   &#13;&lt;/table&gt;&#13;&#13;&#13;&lt;/div&gt;</srt:ScheduleOfCondensedFinancialStatementsTableTextBlock>
    <sfst:PropertyDevelopmentAndAdvisoryFees contextRef="From2019-01-01to2019-12-31_us-gaap_DirectorMember" unitRef="USD" decimals="0">600000</sfst:PropertyDevelopmentAndAdvisoryFees>
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</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>10
<FILENAME>sfst-20191231_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE
<TEXT>
<XBRL>
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      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RealEstateLoanMember" xlink:to="us-gaap_RealEstateLoanMember_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_RealEstateLoanMember_lbl" xml:lang="en-US">Real estate [Member]</link:label>
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_StatementBusinessSegmentsAxis_lbl" xml:lang="en-US">Segments [Axis]</link:label>
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      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_CommercialAndRetailBankingMember" xlink:to="sfst_CommercialAndRetailBankingMember_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_CommercialAndRetailBankingMember_lbl" xml:lang="en-US">Commercial And Retail Banking [Member]</link:label>
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_MortgageBankingMember_lbl" xml:lang="en-US">Mortgage Banking [Member]</link:label>
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CorporateMember_lbl" xml:lang="en-US">Corporate Segment [Member]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/srt/2019/elts/srt-2019-01-31.xsd#srt_ConsolidationItemsAxis" xlink:label="srt_ConsolidationItemsAxis" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="srt_ConsolidationItemsAxis" xlink:to="srt_ConsolidationItemsAxis_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="srt_ConsolidationItemsAxis_lbl" xml:lang="en-US">Consolidation Items [Axis]</link:label>
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      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IntersegmentEliminationMember" xlink:to="us-gaap_IntersegmentEliminationMember_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IntersegmentEliminationMember_lbl" xml:lang="en-US">Intersegment Eliminations [Member]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_AwardTypeAxis" xlink:label="us-gaap_AwardTypeAxis" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AwardTypeAxis" xlink:to="us-gaap_AwardTypeAxis_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AwardTypeAxis_lbl" xml:lang="en-US">Award Type [Axis]</link:label>
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      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RestrictedStockMember" xlink:to="us-gaap_RestrictedStockMember_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_RestrictedStockMember_lbl" xml:lang="en-US">Nonvested restricted stock [Member]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_StatementEquityComponentsAxis" xlink:label="us-gaap_StatementEquityComponentsAxis" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StatementEquityComponentsAxis" xlink:to="us-gaap_StatementEquityComponentsAxis_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_StatementEquityComponentsAxis_lbl" xml:lang="en-US">Statement, Equity Components [Axis]</link:label>
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      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonStockMember" xlink:to="us-gaap_CommonStockMember_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CommonStockMember_lbl" xml:lang="en-US">Common stock [Member]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_PreferredStockMember" xlink:label="us-gaap_PreferredStockMember" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PreferredStockMember" xlink:to="us-gaap_PreferredStockMember_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PreferredStockMember_lbl" xml:lang="en-US">Preferred stock [Member]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_AdditionalPaidInCapitalMember" xlink:label="us-gaap_AdditionalPaidInCapitalMember" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AdditionalPaidInCapitalMember" xlink:to="us-gaap_AdditionalPaidInCapitalMember_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AdditionalPaidInCapitalMember_lbl" xml:lang="en-US">Additional paid-in capital [Member]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeMember" xlink:label="us-gaap_AccumulatedOtherComprehensiveIncomeMember" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccumulatedOtherComprehensiveIncomeMember" xlink:to="us-gaap_AccumulatedOtherComprehensiveIncomeMember_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AccumulatedOtherComprehensiveIncomeMember_lbl" xml:lang="en-US">Accumulated other comprehensive income (loss) [Member]</link:label>
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      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RetainedEarningsMember" xlink:to="us-gaap_RetainedEarningsMember_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_RetainedEarningsMember_lbl" xml:lang="en-US">Retained Earnings [Member]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_EffectOfFourthQuarterEventsByTypeAxis" xlink:label="us-gaap_EffectOfFourthQuarterEventsByTypeAxis" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EffectOfFourthQuarterEventsByTypeAxis" xlink:to="us-gaap_EffectOfFourthQuarterEventsByTypeAxis_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_EffectOfFourthQuarterEventsByTypeAxis_lbl" xml:lang="en-US">Effect of Fourth Quarter Event Type [Axis]</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_QuarterlyFinancialInformationMember" xlink:label="sfst_QuarterlyFinancialInformationMember" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_QuarterlyFinancialInformationMember" xlink:to="sfst_QuarterlyFinancialInformationMember_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_QuarterlyFinancialInformationMember_lbl" xml:lang="en-US">Quarterly Financial Information [Member]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_CommercialPortfolioSegmentMember" xlink:label="us-gaap_CommercialPortfolioSegmentMember" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommercialPortfolioSegmentMember" xlink:to="us-gaap_CommercialPortfolioSegmentMember_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CommercialPortfolioSegmentMember_lbl" xml:lang="en-US">Commercial Portfolio Segment [Member]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ConsumerPortfolioSegmentMember" xlink:label="us-gaap_ConsumerPortfolioSegmentMember" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ConsumerPortfolioSegmentMember" xlink:to="us-gaap_ConsumerPortfolioSegmentMember_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ConsumerPortfolioSegmentMember_lbl" xml:lang="en-US">Consumer Portfolio Segment [Member]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_EmployeeStockOptionMember" xlink:label="us-gaap_EmployeeStockOptionMember" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EmployeeStockOptionMember" xlink:to="us-gaap_EmployeeStockOptionMember_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_EmployeeStockOptionMember_lbl" xml:lang="en-US">Employee Stock Option [Member]</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_FourthQuarterMember" xlink:label="sfst_FourthQuarterMember" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_FourthQuarterMember" xlink:to="sfst_FourthQuarterMember_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_FourthQuarterMember_lbl" xml:lang="en-US">Fourth Quarter [Member]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_USStatesAndPoliticalSubdivisionsMember" xlink:label="us-gaap_USStatesAndPoliticalSubdivisionsMember" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_USStatesAndPoliticalSubdivisionsMember" xlink:to="us-gaap_USStatesAndPoliticalSubdivisionsMember_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_USStatesAndPoliticalSubdivisionsMember_lbl" xml:lang="en-US">State and political subdivisions [Member]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_MortgageBackedSecuritiesMember" xlink:label="us-gaap_MortgageBackedSecuritiesMember" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_MortgageBackedSecuritiesMember" xlink:to="us-gaap_MortgageBackedSecuritiesMember_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_MortgageBackedSecuritiesMember_lbl" xml:lang="en-US">Mortgage-backed securities [Member]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_InvestmentTypeAxis" xlink:label="us-gaap_InvestmentTypeAxis" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InvestmentTypeAxis" xlink:to="us-gaap_InvestmentTypeAxis_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InvestmentTypeAxis_lbl" xml:lang="en-US">Investment Type [Axis]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_FederalHomeLoanMortgageCorporationCertificatesAndObligationsFHLMCMember" xlink:label="us-gaap_FederalHomeLoanMortgageCorporationCertificatesAndObligationsFHLMCMember" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FederalHomeLoanMortgageCorporationCertificatesAndObligationsFHLMCMember" xlink:to="us-gaap_FederalHomeLoanMortgageCorporationCertificatesAndObligationsFHLMCMember_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FederalHomeLoanMortgageCorporationCertificatesAndObligationsFHLMCMember_lbl" xml:lang="en-US">FHLMC [Member]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_FederalNationalMortgageAssociationCertificatesAndObligationsFNMAMember" xlink:label="us-gaap_FederalNationalMortgageAssociationCertificatesAndObligationsFNMAMember" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FederalNationalMortgageAssociationCertificatesAndObligationsFNMAMember" xlink:to="us-gaap_FederalNationalMortgageAssociationCertificatesAndObligationsFNMAMember_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FederalNationalMortgageAssociationCertificatesAndObligationsFNMAMember_lbl" xml:lang="en-US">FNMA [Member]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_GovernmentNationalMortgageAssociationCertificatesAndObligationsGNMAMember" xlink:label="us-gaap_GovernmentNationalMortgageAssociationCertificatesAndObligationsGNMAMember" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_GovernmentNationalMortgageAssociationCertificatesAndObligationsGNMAMember" xlink:to="us-gaap_GovernmentNationalMortgageAssociationCertificatesAndObligationsGNMAMember_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_GovernmentNationalMortgageAssociationCertificatesAndObligationsGNMAMember_lbl" xml:lang="en-US">GNMA [Member]</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_SbaSecuritiesMember" xlink:label="sfst_SbaSecuritiesMember" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_SbaSecuritiesMember" xlink:to="sfst_SbaSecuritiesMember_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_SbaSecuritiesMember_lbl" xml:lang="en-US">SBA securities [Member]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_AgencySecuritiesMember" xlink:label="us-gaap_AgencySecuritiesMember" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AgencySecuritiesMember" xlink:to="us-gaap_AgencySecuritiesMember_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AgencySecuritiesMember_lbl" xml:lang="en-US">US government agencies [Member]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_AssetBackedSecuritiesMember" xlink:label="us-gaap_AssetBackedSecuritiesMember" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AssetBackedSecuritiesMember" xlink:to="us-gaap_AssetBackedSecuritiesMember_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AssetBackedSecuritiesMember_lbl" xml:lang="en-US">Asset-backed Securities [Member]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_RealEstateMember" xlink:label="us-gaap_RealEstateMember" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RealEstateMember" xlink:to="us-gaap_RealEstateMember_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_RealEstateMember_lbl" xml:lang="en-US">Real Estate [Member]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_InternalCreditAssessmentAxis" xlink:label="us-gaap_InternalCreditAssessmentAxis" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InternalCreditAssessmentAxis" xlink:to="us-gaap_InternalCreditAssessmentAxis_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InternalCreditAssessmentAxis_lbl" xml:lang="en-US">Internal Credit Assessment [Axis]</link:label>
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LandMember_lbl" xml:lang="en-US">Land [Member]</link:label>
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_RelatedPartyTransactionsByRelatedPartyAxis_lbl" xml:lang="en-US">Related Party [Axis]</link:label>
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_GreenvilleFirstStatutoryTrustOneMember_lbl" xml:lang="en-US">Greenville First Statutory Trust One [Member]</link:label>
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      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SecuritiesSoldNotYetPurchasedMember" xlink:to="us-gaap_SecuritiesSoldNotYetPurchasedMember_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_SecuritiesSoldNotYetPurchasedMember_lbl" xml:lang="en-US">Securities Sold, Not yet Purchased [Member]</link:label>
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      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DerivativeMember" xlink:to="us-gaap_DerivativeMember_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DerivativeMember_lbl" xml:lang="en-US">Derivative [Member]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_FairValueByMeasurementFrequencyAxis" xlink:label="us-gaap_FairValueByMeasurementFrequencyAxis" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueByMeasurementFrequencyAxis" xlink:to="us-gaap_FairValueByMeasurementFrequencyAxis_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FairValueByMeasurementFrequencyAxis_lbl" xml:lang="en-US">Measurement Frequency [Axis]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_FairValueMeasurementsRecurringMember" xlink:label="us-gaap_FairValueMeasurementsRecurringMember" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueMeasurementsRecurringMember" xlink:to="us-gaap_FairValueMeasurementsRecurringMember_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FairValueMeasurementsRecurringMember_lbl" xml:lang="en-US">Fair Value, Measurements, Recurring [Member]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:label="us-gaap_FairValueByFairValueHierarchyLevelAxis" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:to="us-gaap_FairValueByFairValueHierarchyLevelAxis_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FairValueByFairValueHierarchyLevelAxis_lbl" xml:lang="en-US">Fair Value, Hierarchy [Axis]</link:label>
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FairValueInputsLevel1Member_lbl" xml:lang="en-US">Fair Value, Inputs, Level 1 [Member]</link:label>
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FairValueInputsLevel2Member_lbl" xml:lang="en-US">Fair Value, Inputs, Level 2 [Member]</link:label>
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FairValueInputsLevel3Member_lbl" xml:lang="en-US">Fair Value, Inputs, Level 3 [Member]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_FairValueMeasurementsNonrecurringMember" xlink:label="us-gaap_FairValueMeasurementsNonrecurringMember" />
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FairValueMeasurementsNonrecurringMember_lbl" xml:lang="en-US">Fair Value, Measurements, Nonrecurring [Member]</link:label>
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FairValueByMeasurementBasisAxis_lbl" xml:lang="en-US">Measurement Basis [Axis]</link:label>
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_EstimateOfFairValueFairValueDisclosureMember_lbl" xml:lang="en-US">Estimate Of Fair Value, Fair Value Disclosure [Member]</link:label>
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      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_SupplementalExecutiveRetirementPlanMember" xlink:to="sfst_SupplementalExecutiveRetirementPlanMember_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_SupplementalExecutiveRetirementPlanMember_lbl" xml:lang="en-US">Supplemental Executive Retirement Plan [Member]</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_DirectorsAffiliatesAndExecutiveOfficersMember" xlink:label="sfst_DirectorsAffiliatesAndExecutiveOfficersMember" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_DirectorsAffiliatesAndExecutiveOfficersMember" xlink:to="sfst_DirectorsAffiliatesAndExecutiveOfficersMember_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_DirectorsAffiliatesAndExecutiveOfficersMember_lbl" xml:lang="en-US">Directors Affiliates and Executive Officers [Member]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/srt/2019/elts/srt-2019-01-31.xsd#srt_DirectorMember" xlink:label="srt_DirectorMember" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="srt_DirectorMember" xlink:to="srt_DirectorMember_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="srt_DirectorMember_lbl" xml:lang="en-US">Director [Member]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_CommitmentsToExtendCreditMember" xlink:label="us-gaap_CommitmentsToExtendCreditMember" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommitmentsToExtendCreditMember" xlink:to="us-gaap_CommitmentsToExtendCreditMember_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CommitmentsToExtendCreditMember_lbl" xml:lang="en-US">Commitments To Extend Credit [Member]</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_ProfitSharingAndFourHundredOneKPlanMember" xlink:label="sfst_ProfitSharingAndFourHundredOneKPlanMember" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_ProfitSharingAndFourHundredOneKPlanMember" xlink:to="sfst_ProfitSharingAndFourHundredOneKPlanMember_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_ProfitSharingAndFourHundredOneKPlanMember_lbl" xml:lang="en-US">Profit Sharing and Four Hundred One K Plan [Member]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_PlanNameAxis" xlink:label="us-gaap_PlanNameAxis" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PlanNameAxis" xlink:to="us-gaap_PlanNameAxis_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PlanNameAxis_lbl" xml:lang="en-US">Plan Name [Axis]</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_TwoThousandTenIncentivePlanMember" xlink:label="sfst_TwoThousandTenIncentivePlanMember" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_TwoThousandTenIncentivePlanMember" xlink:to="sfst_TwoThousandTenIncentivePlanMember_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_TwoThousandTenIncentivePlanMember_lbl" xml:lang="en-US">Two Thousand Ten Incentive Plan [Member]</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_TwoThousandSixteenEquityIncentivePlanMember" xlink:label="sfst_TwoThousandSixteenEquityIncentivePlanMember" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_TwoThousandSixteenEquityIncentivePlanMember" xlink:to="sfst_TwoThousandSixteenEquityIncentivePlanMember_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_TwoThousandSixteenEquityIncentivePlanMember_lbl" xml:lang="en-US">Two Thousand Sixteen Equity Incentive Plan [Member]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_StockCompensationPlanMember" xlink:label="us-gaap_StockCompensationPlanMember" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StockCompensationPlanMember" xlink:to="us-gaap_StockCompensationPlanMember_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_StockCompensationPlanMember_lbl" xml:lang="en-US">Stock Compensation Plan [Member]</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_LegalEntityAxis" xlink:label="dei_LegalEntityAxis" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_LegalEntityAxis" xlink:to="dei_LegalEntityAxis_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_LegalEntityAxis_lbl" xml:lang="en-US">Legal Entity [Axis]</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_BankMember" xlink:label="sfst_BankMember" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_BankMember" xlink:to="sfst_BankMember_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_BankMember_lbl" xml:lang="en-US">Bank [Member]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/srt/2019/elts/srt-2019-01-31.xsd#srt_RangeAxis" xlink:label="srt_RangeAxis" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="srt_RangeAxis" xlink:to="srt_RangeAxis_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="srt_RangeAxis_lbl" xml:lang="en-US">Range [Axis]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/srt/2019/elts/srt-2019-01-31.xsd#srt_MinimumMember" xlink:label="srt_MinimumMember" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="srt_MinimumMember" xlink:to="srt_MinimumMember_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="srt_MinimumMember_lbl" xml:lang="en-US">Minimum [Member]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/srt/2019/elts/srt-2019-01-31.xsd#srt_MaximumMember" xlink:label="srt_MaximumMember" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="srt_MaximumMember" xlink:to="srt_MaximumMember_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="srt_MaximumMember_lbl" xml:lang="en-US">Maximum [Member]</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_DepositAxis" xlink:label="sfst_DepositAxis" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_DepositAxis" xlink:to="sfst_DepositAxis_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_DepositAxis_lbl" xml:lang="en-US">Deposit [Axis]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_CertificatesOfDepositMember" xlink:label="us-gaap_CertificatesOfDepositMember" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CertificatesOfDepositMember" xlink:to="us-gaap_CertificatesOfDepositMember_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CertificatesOfDepositMember_lbl" xml:lang="en-US">Certificates Of Deposit [Member]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_VariableRateAxis" xlink:label="us-gaap_VariableRateAxis" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_VariableRateAxis" xlink:to="us-gaap_VariableRateAxis_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_VariableRateAxis_lbl" xml:lang="en-US">Variable Rate [Axis]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_LondonInterbankOfferedRateLIBORMember" xlink:label="us-gaap_LondonInterbankOfferedRateLIBORMember" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LondonInterbankOfferedRateLIBORMember" xlink:to="us-gaap_LondonInterbankOfferedRateLIBORMember_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LondonInterbankOfferedRateLIBORMember_lbl" xml:lang="en-US">London Interbank Offered Rate (LIBOR) [Member]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_FairValueByAssetClassAxis" xlink:label="us-gaap_FairValueByAssetClassAxis" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueByAssetClassAxis" xlink:to="us-gaap_FairValueByAssetClassAxis_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FairValueByAssetClassAxis_lbl" xml:lang="en-US">Asset Class [Axis]</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_OtherRealEstateOwnedMember" xlink:label="sfst_OtherRealEstateOwnedMember" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_OtherRealEstateOwnedMember" xlink:to="sfst_OtherRealEstateOwnedMember_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_OtherRealEstateOwnedMember_lbl" xml:lang="en-US">Other Real Estate Owned [Member]</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_ImpairedLoansMember" xlink:label="sfst_ImpairedLoansMember" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_ImpairedLoansMember" xlink:to="sfst_ImpairedLoansMember_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_ImpairedLoansMember_lbl" xml:lang="en-US">Impaired Loans [Member]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/srt/2019/elts/srt-2019-01-31.xsd#srt_TitleOfIndividualAxis" xlink:label="srt_TitleOfIndividualAxis" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="srt_TitleOfIndividualAxis" xlink:to="srt_TitleOfIndividualAxis_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="srt_TitleOfIndividualAxis_lbl" xml:lang="en-US">Title of Individual [Axis]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/srt/2019/elts/srt-2019-01-31.xsd#srt_PresidentMember" xlink:label="srt_PresidentMember" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="srt_PresidentMember" xlink:to="srt_PresidentMember_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="srt_PresidentMember_lbl" xml:lang="en-US">President [Member]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/srt/2019/elts/srt-2019-01-31.xsd#srt_VicePresidentMember" xlink:label="srt_VicePresidentMember" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="srt_VicePresidentMember" xlink:to="srt_VicePresidentMember_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="srt_VicePresidentMember_lbl" xml:lang="en-US">Vice President [Member]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/srt/2019/elts/srt-2019-01-31.xsd#srt_ChiefExecutiveOfficerMember" xlink:label="srt_ChiefExecutiveOfficerMember" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="srt_ChiefExecutiveOfficerMember" xlink:to="srt_ChiefExecutiveOfficerMember_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="srt_ChiefExecutiveOfficerMember_lbl" xml:lang="en-US">Chief Executive Officer [Member]</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_RestrictedStockPlanMember" xlink:label="sfst_RestrictedStockPlanMember" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_RestrictedStockPlanMember" xlink:to="sfst_RestrictedStockPlanMember_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_RestrictedStockPlanMember_lbl" xml:lang="en-US">Restricted Stock Plan [Member]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_DebtInstrumentAxis" xlink:label="us-gaap_DebtInstrumentAxis" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DebtInstrumentAxis" xlink:to="us-gaap_DebtInstrumentAxis_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DebtInstrumentAxis_lbl" xml:lang="en-US">Debt Instrument [Axis]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_SubordinatedDebtMember" xlink:label="us-gaap_SubordinatedDebtMember" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SubordinatedDebtMember" xlink:to="us-gaap_SubordinatedDebtMember_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_SubordinatedDebtMember_lbl" xml:lang="en-US">Subordinated Debt [Member]</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_CompanyMember" xlink:label="sfst_CompanyMember" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_CompanyMember" xlink:to="sfst_CompanyMember_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_CompanyMember_lbl" xml:lang="en-US">Company [Member]</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_DocumentAndEntityInformationAbstract" xlink:label="sfst_DocumentAndEntityInformationAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_DocumentAndEntityInformationAbstract" xlink:to="sfst_DocumentAndEntityInformationAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_DocumentAndEntityInformationAbstract_lbl" xml:lang="en-US">Document and Entity Information [Abstract]</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityRegistrantName" xlink:label="dei_EntityRegistrantName" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityRegistrantName" xlink:to="dei_EntityRegistrantName_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityRegistrantName_lbl" xml:lang="en-US">Entity Registrant Name</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityCentralIndexKey" xlink:label="dei_EntityCentralIndexKey" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityCentralIndexKey" xlink:to="dei_EntityCentralIndexKey_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityCentralIndexKey_lbl" xml:lang="en-US">Entity Central Index Key</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_TradingSymbol" xlink:label="dei_TradingSymbol" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_TradingSymbol" xlink:to="dei_TradingSymbol_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_TradingSymbol_lbl" xml:lang="en-US">Trading Symbol</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_AmendmentFlag" xlink:label="dei_AmendmentFlag" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_AmendmentFlag" xlink:to="dei_AmendmentFlag_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_AmendmentFlag_lbl" xml:lang="en-US">Amendment Flag</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_CurrentFiscalYearEndDate" xlink:label="dei_CurrentFiscalYearEndDate" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CurrentFiscalYearEndDate" xlink:to="dei_CurrentFiscalYearEndDate_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_CurrentFiscalYearEndDate_lbl" xml:lang="en-US">Current Fiscal Year End Date</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_DocumentType" xlink:label="dei_DocumentType" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentType" xlink:to="dei_DocumentType_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentType_lbl" xml:lang="en-US">Document Type</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_DocumentPeriodEndDate" xlink:label="dei_DocumentPeriodEndDate" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentPeriodEndDate" xlink:to="dei_DocumentPeriodEndDate_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentPeriodEndDate_lbl" xml:lang="en-US">Document Period End Date</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_DocumentFiscalYearFocus" xlink:label="dei_DocumentFiscalYearFocus" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentFiscalYearFocus" xlink:to="dei_DocumentFiscalYearFocus_lbl" xlink:type="arc" />
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      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_FederalHomeLoanBankAdvancesAndRepurchaseAgreements" xlink:label="sfst_FederalHomeLoanBankAdvancesAndRepurchaseAgreements" />
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_FederalHomeLoanBankAdvancesAndRepurchaseAgreements_lbl" xml:lang="en-US">Federal Home Loan Bank advances and other borrowings</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_JuniorSubordinatedNotes" xlink:label="us-gaap_JuniorSubordinatedNotes" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_JuniorSubordinatedNotes" xlink:to="us-gaap_JuniorSubordinatedNotes_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_JuniorSubordinatedNotes_lbl" xml:lang="en-US">Subordinated debentures</link:label>
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      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherLiabilities" xlink:to="us-gaap_OtherLiabilities_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OtherLiabilities_lbl" xml:lang="en-US">Other liabilities</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_Liabilities" xlink:label="us-gaap_Liabilities" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_Liabilities" xlink:to="us-gaap_Liabilities_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_Liabilities_lbl" xml:lang="en-US">Total liabilities</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_StockholdersEquityAbstract" xlink:label="us-gaap_StockholdersEquityAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StockholdersEquityAbstract" xlink:to="us-gaap_StockholdersEquityAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_StockholdersEquityAbstract_lbl" xml:lang="en-US">SHAREHOLDERS' EQUITY</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_PreferredStockValueOutstanding" xlink:label="us-gaap_PreferredStockValueOutstanding" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PreferredStockValueOutstanding" xlink:to="us-gaap_PreferredStockValueOutstanding_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PreferredStockValueOutstanding_lbl" xml:lang="en-US">Preferred stock, par value $.01 per share, 10,000,000 shares authorized</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_CommonStockValueOutstanding" xlink:label="us-gaap_CommonStockValueOutstanding" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonStockValueOutstanding" xlink:to="us-gaap_CommonStockValueOutstanding_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CommonStockValueOutstanding_lbl" xml:lang="en-US">Common stock, par value $.01 per share, 10,000,000 shares authorized, 7,672,678 and 7,466,481 shares issued and outstanding at December 31, 2019 and 2018, respectively</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_NonvestedRestrictedStockValue" xlink:label="sfst_NonvestedRestrictedStockValue" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_NonvestedRestrictedStockValue" xlink:to="sfst_NonvestedRestrictedStockValue_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="sfst_NonvestedRestrictedStockValue_lbl" xml:lang="en-US">Nonvested restricted stock</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_AdditionalPaidInCapital" xlink:label="us-gaap_AdditionalPaidInCapital" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AdditionalPaidInCapital" xlink:to="us-gaap_AdditionalPaidInCapital_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AdditionalPaidInCapital_lbl" xml:lang="en-US">Additional paid-in capital</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:label="us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:to="us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_lbl" xml:lang="en-US">Accumulated other comprehensive loss</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_RetainedEarningsAccumulatedDeficit" xlink:label="us-gaap_RetainedEarningsAccumulatedDeficit" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RetainedEarningsAccumulatedDeficit" xlink:to="us-gaap_RetainedEarningsAccumulatedDeficit_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_RetainedEarningsAccumulatedDeficit_lbl" xml:lang="en-US">Retained earnings</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_StockholdersEquity" xlink:label="us-gaap_StockholdersEquity" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StockholdersEquity" xlink:to="us-gaap_StockholdersEquity_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_StockholdersEquity_lbl" xml:lang="en-US">Total shareholders' equity</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_LiabilitiesAndStockholdersEquity" xlink:label="us-gaap_LiabilitiesAndStockholdersEquity" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LiabilitiesAndStockholdersEquity" xlink:to="us-gaap_LiabilitiesAndStockholdersEquity_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_LiabilitiesAndStockholdersEquity_lbl" xml:lang="en-US">Total liabilities and shareholders' equity</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_PreferredStockParOrStatedValuePerShare" xlink:label="us-gaap_PreferredStockParOrStatedValuePerShare" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PreferredStockParOrStatedValuePerShare" xlink:to="us-gaap_PreferredStockParOrStatedValuePerShare_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PreferredStockParOrStatedValuePerShare_lbl" xml:lang="en-US">Preferred stock, par value</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_PreferredStockSharesAuthorized" xlink:label="us-gaap_PreferredStockSharesAuthorized" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PreferredStockSharesAuthorized" xlink:to="us-gaap_PreferredStockSharesAuthorized_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PreferredStockSharesAuthorized_lbl" xml:lang="en-US">Preferred stock, shares authorized</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_CommonStockParOrStatedValuePerShare" xlink:label="us-gaap_CommonStockParOrStatedValuePerShare" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonStockParOrStatedValuePerShare" xlink:to="us-gaap_CommonStockParOrStatedValuePerShare_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CommonStockParOrStatedValuePerShare_lbl" xml:lang="en-US">Common stock, par value</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_CommonStockSharesAuthorized" xlink:label="us-gaap_CommonStockSharesAuthorized" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonStockSharesAuthorized" xlink:to="us-gaap_CommonStockSharesAuthorized_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CommonStockSharesAuthorized_lbl" xml:lang="en-US">Common stock, shares authorized</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_CommonStockSharesIssued" xlink:label="us-gaap_CommonStockSharesIssued" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonStockSharesIssued" xlink:to="us-gaap_CommonStockSharesIssued_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CommonStockSharesIssued_lbl" xml:lang="en-US">Common stock, shares issued</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_CommonStockSharesOutstanding" xlink:label="us-gaap_CommonStockSharesOutstanding" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonStockSharesOutstanding" xlink:to="us-gaap_CommonStockSharesOutstanding_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CommonStockSharesOutstanding_lbl" xml:lang="en-US">Common stock, shares outstanding</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_IncomeStatementAbstract" xlink:label="us-gaap_IncomeStatementAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncomeStatementAbstract" xlink:to="us-gaap_IncomeStatementAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncomeStatementAbstract_lbl" xml:lang="en-US">Income Statement [Abstract]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_InterestAndDividendIncomeOperatingAbstract" xlink:label="us-gaap_InterestAndDividendIncomeOperatingAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestAndDividendIncomeOperatingAbstract" xlink:to="us-gaap_InterestAndDividendIncomeOperatingAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InterestAndDividendIncomeOperatingAbstract_lbl" xml:lang="en-US">Interest income</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_InterestAndFeeIncomeLoansAndLeases" xlink:label="us-gaap_InterestAndFeeIncomeLoansAndLeases" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestAndFeeIncomeLoansAndLeases" xlink:to="us-gaap_InterestAndFeeIncomeLoansAndLeases_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_InterestAndFeeIncomeLoansAndLeases_lbl" xml:lang="en-US">Loans</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_InterestAndDividendIncomeSecurities" xlink:label="us-gaap_InterestAndDividendIncomeSecurities" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestAndDividendIncomeSecurities" xlink:to="us-gaap_InterestAndDividendIncomeSecurities_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InterestAndDividendIncomeSecurities_lbl" xml:lang="en-US">Investment securities</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_InterestIncomeFederalFundsSold" xlink:label="us-gaap_InterestIncomeFederalFundsSold" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestIncomeFederalFundsSold" xlink:to="us-gaap_InterestIncomeFederalFundsSold_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InterestIncomeFederalFundsSold_lbl" xml:lang="en-US">Federal funds sold and interest-bearing deposits with banks</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_InterestAndDividendIncomeOperating" xlink:label="us-gaap_InterestAndDividendIncomeOperating" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestAndDividendIncomeOperating" xlink:to="us-gaap_InterestAndDividendIncomeOperating_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_InterestAndDividendIncomeOperating_lbl" xml:lang="en-US">Total interest income</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_InterestExpenseAbstract" xlink:label="us-gaap_InterestExpenseAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestExpenseAbstract" xlink:to="us-gaap_InterestExpenseAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InterestExpenseAbstract_lbl" xml:lang="en-US">Interest expense</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_InterestExpenseDeposits" xlink:label="us-gaap_InterestExpenseDeposits" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestExpenseDeposits" xlink:to="us-gaap_InterestExpenseDeposits_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_InterestExpenseDeposits_lbl" xml:lang="en-US">Deposits</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_InterestExpenseBorrowings" xlink:label="us-gaap_InterestExpenseBorrowings" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestExpenseBorrowings" xlink:to="us-gaap_InterestExpenseBorrowings_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InterestExpenseBorrowings_lbl" xml:lang="en-US">Borrowings</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_InterestExpense" xlink:label="us-gaap_InterestExpense" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestExpense" xlink:to="us-gaap_InterestExpense_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_InterestExpense_lbl" xml:lang="en-US">Total interest expense</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_InterestIncomeExpenseNet" xlink:label="us-gaap_InterestIncomeExpenseNet" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestIncomeExpenseNet" xlink:to="us-gaap_InterestIncomeExpenseNet_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_InterestIncomeExpenseNet_lbl" xml:lang="en-US">Net interest income</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ProvisionForLoanLeaseAndOtherLosses" xlink:label="us-gaap_ProvisionForLoanLeaseAndOtherLosses" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProvisionForLoanLeaseAndOtherLosses" xlink:to="us-gaap_ProvisionForLoanLeaseAndOtherLosses_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ProvisionForLoanLeaseAndOtherLosses_lbl" xml:lang="en-US">Provision for loan losses</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss" xlink:label="us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss" xlink:to="us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_lbl" xml:lang="en-US">Net interest income after provision for loan losses</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_NoninterestIncomeAbstract" xlink:label="us-gaap_NoninterestIncomeAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NoninterestIncomeAbstract" xlink:to="us-gaap_NoninterestIncomeAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NoninterestIncomeAbstract_lbl" xml:lang="en-US">Noninterest income</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_RevenueFromContractWithCustomerIncludingAssessedTax" xlink:label="us-gaap_RevenueFromContractWithCustomerIncludingAssessedTax" />
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_RevenueFromContractWithCustomerIncludingAssessedTax_lbl" xml:lang="en-US">Mortgage banking income</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_ServiceFeesonDepositAccounts" xlink:label="sfst_ServiceFeesonDepositAccounts" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_ServiceFeesonDepositAccounts" xlink:to="sfst_ServiceFeesonDepositAccounts_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_ServiceFeesonDepositAccounts_lbl" xml:lang="en-US">Service fees on deposit accounts</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_AtmAndDebitCardIncome" xlink:label="sfst_AtmAndDebitCardIncome" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_AtmAndDebitCardIncome" xlink:to="sfst_AtmAndDebitCardIncome_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_AtmAndDebitCardIncome_lbl" xml:lang="en-US">ATM and debit card income</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_BankOwnedLifeInsuranceIncome" xlink:label="us-gaap_BankOwnedLifeInsuranceIncome" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_BankOwnedLifeInsuranceIncome" xlink:to="us-gaap_BankOwnedLifeInsuranceIncome_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_BankOwnedLifeInsuranceIncome_lbl" xml:lang="en-US">Income from bank owned life insurance</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_GainOnSaleOfInvestments" xlink:label="us-gaap_GainOnSaleOfInvestments" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_GainOnSaleOfInvestments" xlink:to="us-gaap_GainOnSaleOfInvestments_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_GainOnSaleOfInvestments_lbl" xml:lang="en-US">Gain on sale of investment securities, net</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_LossOnExtinguishmentOfDebt" xlink:label="sfst_LossOnExtinguishmentOfDebt" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_LossOnExtinguishmentOfDebt" xlink:to="sfst_LossOnExtinguishmentOfDebt_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_LossOnExtinguishmentOfDebt_lbl" xml:lang="en-US">Loss on extinguishment of debt</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_NoninterestIncomeOther" xlink:label="us-gaap_NoninterestIncomeOther" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NoninterestIncomeOther" xlink:to="us-gaap_NoninterestIncomeOther_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NoninterestIncomeOther_lbl" xml:lang="en-US">Other income</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_NoninterestIncome" xlink:label="us-gaap_NoninterestIncome" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NoninterestIncome" xlink:to="us-gaap_NoninterestIncome_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_NoninterestIncome_lbl" xml:lang="en-US">Total noninterest income</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_NoninterestExpenseAbstract" xlink:label="us-gaap_NoninterestExpenseAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NoninterestExpenseAbstract" xlink:to="us-gaap_NoninterestExpenseAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NoninterestExpenseAbstract_lbl" xml:lang="en-US">Noninterest expenses</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_LaborAndRelatedExpense" xlink:label="us-gaap_LaborAndRelatedExpense" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LaborAndRelatedExpense" xlink:to="us-gaap_LaborAndRelatedExpense_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LaborAndRelatedExpense_lbl" xml:lang="en-US">Compensation and benefits</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_OccupancyNet" xlink:label="us-gaap_OccupancyNet" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OccupancyNet" xlink:to="us-gaap_OccupancyNet_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OccupancyNet_lbl" xml:lang="en-US">Occupancy</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_InformationTechnologyAndDataProcessing" xlink:label="us-gaap_InformationTechnologyAndDataProcessing" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InformationTechnologyAndDataProcessing" xlink:to="us-gaap_InformationTechnologyAndDataProcessing_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InformationTechnologyAndDataProcessing_lbl" xml:lang="en-US">Outside service and data processing costs</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_FederalDepositInsuranceCorporationPremiumExpense" xlink:label="us-gaap_FederalDepositInsuranceCorporationPremiumExpense" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FederalDepositInsuranceCorporationPremiumExpense" xlink:to="us-gaap_FederalDepositInsuranceCorporationPremiumExpense_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FederalDepositInsuranceCorporationPremiumExpense_lbl" xml:lang="en-US">Insurance</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ProfessionalFees" xlink:label="us-gaap_ProfessionalFees" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProfessionalFees" xlink:to="us-gaap_ProfessionalFees_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ProfessionalFees_lbl" xml:lang="en-US">Professional fees</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_MarketingExpense" xlink:label="us-gaap_MarketingExpense" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_MarketingExpense" xlink:to="us-gaap_MarketingExpense_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_MarketingExpense_lbl" xml:lang="en-US">Marketing</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_OtherNoninterestExpense" xlink:label="us-gaap_OtherNoninterestExpense" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherNoninterestExpense" xlink:to="us-gaap_OtherNoninterestExpense_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OtherNoninterestExpense_lbl" xml:lang="en-US">Other</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_NoninterestExpense" xlink:label="us-gaap_NoninterestExpense" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NoninterestExpense" xlink:to="us-gaap_NoninterestExpense_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_NoninterestExpense_lbl" xml:lang="en-US">Total noninterest expenses</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" xlink:label="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" xlink:to="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_lbl" xml:lang="en-US">Income before income tax expense</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_IncomeTaxExpenseBenefit" xlink:label="us-gaap_IncomeTaxExpenseBenefit" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncomeTaxExpenseBenefit" xlink:to="us-gaap_IncomeTaxExpenseBenefit_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncomeTaxExpenseBenefit_lbl" xml:lang="en-US">Income tax expense</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_NetIncomeLoss" xlink:label="us-gaap_NetIncomeLoss" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetIncomeLoss" xlink:to="us-gaap_NetIncomeLoss_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_NetIncomeLoss_lbl" xml:lang="en-US">Net income available to common shareholders</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_EarningsPerShareAbstract" xlink:label="us-gaap_EarningsPerShareAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EarningsPerShareAbstract" xlink:to="us-gaap_EarningsPerShareAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_EarningsPerShareAbstract_lbl" xml:lang="en-US">Earnings per common share</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_EarningsPerShareBasic" xlink:label="us-gaap_EarningsPerShareBasic" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EarningsPerShareBasic" xlink:to="us-gaap_EarningsPerShareBasic_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_EarningsPerShareBasic_lbl" xml:lang="en-US">Basic</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_EarningsPerShareDiluted" xlink:label="us-gaap_EarningsPerShareDiluted" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EarningsPerShareDiluted" xlink:to="us-gaap_EarningsPerShareDiluted_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_EarningsPerShareDiluted_lbl" xml:lang="en-US">Diluted</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingAbstract" xlink:label="us-gaap_WeightedAverageNumberOfSharesOutstandingAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_WeightedAverageNumberOfSharesOutstandingAbstract" xlink:to="us-gaap_WeightedAverageNumberOfSharesOutstandingAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_WeightedAverageNumberOfSharesOutstandingAbstract_lbl" xml:lang="en-US">Weighted average common shares outstanding</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingBasic" xlink:label="us-gaap_WeightedAverageNumberOfSharesOutstandingBasic" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_WeightedAverageNumberOfSharesOutstandingBasic" xlink:to="us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_lbl" xml:lang="en-US">Basic</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xlink:label="us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xlink:to="us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_lbl" xml:lang="en-US">Diluted</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract" xlink:label="us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract" xlink:to="us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract_lbl" xml:lang="en-US">Statement of Comprehensive Income [Abstract]</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetIncomeLoss" xlink:to="us-gaap_NetIncomeLoss_2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NetIncomeLoss_2_lbl" xml:lang="en-US">Net income</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParentAbstract" xlink:label="us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParentAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParentAbstract" xlink:to="us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParentAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParentAbstract_lbl" xml:lang="en-US">Other comprehensive income:</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentBeforeTaxPortionAttributableToParentAbstract" xlink:label="us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentBeforeTaxPortionAttributableToParentAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentBeforeTaxPortionAttributableToParentAbstract" xlink:to="us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentBeforeTaxPortionAttributableToParentAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentBeforeTaxPortionAttributableToParentAbstract_lbl" xml:lang="en-US">Unrealized gain (loss) on securities available for sale:</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax" xlink:label="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax" xlink:to="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax_lbl" xml:lang="en-US">Unrealized holding gain (loss) arising during the period, pretax</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax" xlink:label="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax" xlink:to="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax_lbl" xml:lang="en-US">Tax (expense) benefit</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax" xlink:label="us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax" xlink:to="us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax_lbl" xml:lang="en-US">Reclassification of realized gain</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesBeforeReclassificationAdjustmentsTax" xlink:label="us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesBeforeReclassificationAdjustmentsTax" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesBeforeReclassificationAdjustmentsTax" xlink:to="us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesBeforeReclassificationAdjustmentsTax_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesBeforeReclassificationAdjustmentsTax_lbl" xml:lang="en-US">Tax expense</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent" xlink:label="us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent" xlink:to="us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_lbl" xml:lang="en-US">Other comprehensive income (loss)</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ComprehensiveIncomeNetOfTax" xlink:label="us-gaap_ComprehensiveIncomeNetOfTax" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ComprehensiveIncomeNetOfTax" xlink:to="us-gaap_ComprehensiveIncomeNetOfTax_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_ComprehensiveIncomeNetOfTax_lbl" xml:lang="en-US">Comprehensive income</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_StatementTable" xlink:label="us-gaap_StatementTable" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StatementTable" xlink:to="us-gaap_StatementTable_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_StatementTable_lbl" xml:lang="en-US">Statement [Table]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_StatementLineItems" xlink:label="us-gaap_StatementLineItems" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StatementLineItems" xlink:to="us-gaap_StatementLineItems_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_StatementLineItems_lbl" xml:lang="en-US">Statement [Line Items]</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StatementEquityComponentsAxis" xlink:to="us-gaap_StatementEquityComponentsAxis_2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_StatementEquityComponentsAxis_2_lbl" xml:lang="en-US">Equity Components [Axis]</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StockholdersEquity" xlink:to="us-gaap_StockholdersEquity_2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="us-gaap_StockholdersEquity_2_lbl" xml:lang="en-US">Balance</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_SharesOutstanding" xlink:label="us-gaap_SharesOutstanding" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SharesOutstanding" xlink:to="us-gaap_SharesOutstanding_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="us-gaap_SharesOutstanding_lbl" xml:lang="en-US">Balance, shares</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_StockIssuedDuringPeriodValueNewIssues" xlink:label="us-gaap_StockIssuedDuringPeriodValueNewIssues" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StockIssuedDuringPeriodValueNewIssues" xlink:to="us-gaap_StockIssuedDuringPeriodValueNewIssues_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_StockIssuedDuringPeriodValueNewIssues_lbl" xml:lang="en-US">Net issuance of common stock</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_StockIssuedDuringPeriodSharesNewIssues" xlink:label="us-gaap_StockIssuedDuringPeriodSharesNewIssues" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StockIssuedDuringPeriodSharesNewIssues" xlink:to="us-gaap_StockIssuedDuringPeriodSharesNewIssues_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_StockIssuedDuringPeriodSharesNewIssues_lbl" xml:lang="en-US">Net issuance of common stock, shares</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_StockIssuedDuringPeriodValueStockOptionsExercised" xlink:label="us-gaap_StockIssuedDuringPeriodValueStockOptionsExercised" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StockIssuedDuringPeriodValueStockOptionsExercised" xlink:to="us-gaap_StockIssuedDuringPeriodValueStockOptionsExercised_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_StockIssuedDuringPeriodValueStockOptionsExercised_lbl" xml:lang="en-US">Proceeds from exercise of stock options</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised" xlink:label="us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised" xlink:to="us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised_lbl" xml:lang="en-US">Proceeds from exercise of stock options, shares</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures" xlink:label="us-gaap_StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures" xlink:to="us-gaap_StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures_lbl" xml:lang="en-US">Issuance of restricted stock</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures" xlink:label="us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures" xlink:to="us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures_lbl" xml:lang="en-US">Issuance of restricted stock, shares</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_AdjustmentsToAdditionalPaidInCapitalShareBasedCompensationRestrictedStockUnitsRequisiteServicePeriodRecognition" xlink:label="us-gaap_AdjustmentsToAdditionalPaidInCapitalShareBasedCompensationRestrictedStockUnitsRequisiteServicePeriodRecognition" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AdjustmentsToAdditionalPaidInCapitalShareBasedCompensationRestrictedStockUnitsRequisiteServicePeriodRecognition" xlink:to="us-gaap_AdjustmentsToAdditionalPaidInCapitalShareBasedCompensationRestrictedStockUnitsRequisiteServicePeriodRecognition_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AdjustmentsToAdditionalPaidInCapitalShareBasedCompensationRestrictedStockUnitsRequisiteServicePeriodRecognition_lbl" xml:lang="en-US">Compensation expense related to restricted stock, net of tax</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue" xlink:label="us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue" xlink:to="us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue_lbl" xml:lang="en-US">Compensation expense related to stock options, net of tax</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_RedemptionOfPreferredStock" xlink:label="sfst_RedemptionOfPreferredStock" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_RedemptionOfPreferredStock" xlink:to="sfst_RedemptionOfPreferredStock_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_RedemptionOfPreferredStock_lbl" xml:lang="en-US">Preferred stock transactions: Redemption of preferred stock</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_AuctionMarketPreferredSecuritiesSharesRedeemed" xlink:label="us-gaap_AuctionMarketPreferredSecuritiesSharesRedeemed" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AuctionMarketPreferredSecuritiesSharesRedeemed" xlink:to="us-gaap_AuctionMarketPreferredSecuritiesSharesRedeemed_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AuctionMarketPreferredSecuritiesSharesRedeemed_lbl" xml:lang="en-US">Preferred stock transactions: Redemption of preferred stock, shares</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_DividendsPreferredStockCash" xlink:label="us-gaap_DividendsPreferredStockCash" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DividendsPreferredStockCash" xlink:to="us-gaap_DividendsPreferredStockCash_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_DividendsPreferredStockCash_lbl" xml:lang="en-US">Preferred stock transactions: Cash dividends on Series T preferred stock</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent" xlink:to="us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_2_lbl" xml:lang="en-US">Other comprehensive income</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StockholdersEquity" xlink:to="us-gaap_StockholdersEquity_3_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="us-gaap_StockholdersEquity_3_lbl" xml:lang="en-US">Balance</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SharesOutstanding" xlink:to="us-gaap_SharesOutstanding_2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="us-gaap_SharesOutstanding_2_lbl" xml:lang="en-US">Balance, shares</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_StatementOfCashFlowsAbstract" xlink:label="us-gaap_StatementOfCashFlowsAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StatementOfCashFlowsAbstract" xlink:to="us-gaap_StatementOfCashFlowsAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_StatementOfCashFlowsAbstract_lbl" xml:lang="en-US">Statement of Cash Flows [Abstract]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" xlink:label="us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" xlink:to="us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_lbl" xml:lang="en-US">Operating activities</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:label="us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:to="us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_lbl" xml:lang="en-US">Adjustments to reconcile net income to cash provided by operating activities:</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_DepreciationAmortizationAndAccretionNet" xlink:label="us-gaap_DepreciationAmortizationAndAccretionNet" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DepreciationAmortizationAndAccretionNet" xlink:to="us-gaap_DepreciationAmortizationAndAccretionNet_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DepreciationAmortizationAndAccretionNet_lbl" xml:lang="en-US">Depreciation and other amortization</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments" xlink:label="us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments" xlink:to="us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments_lbl" xml:lang="en-US">Accretion and amortization of securities discounts and premiums, net</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_GainLossOnSaleOfInvestments" xlink:label="us-gaap_GainLossOnSaleOfInvestments" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_GainLossOnSaleOfInvestments" xlink:to="us-gaap_GainLossOnSaleOfInvestments_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_GainLossOnSaleOfInvestments_lbl" xml:lang="en-US">Gain on sale of investment securities available for sale</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_GainLossOnSaleOfPropertyPlantEquipment" xlink:label="us-gaap_GainLossOnSaleOfPropertyPlantEquipment" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_GainLossOnSaleOfPropertyPlantEquipment" xlink:to="us-gaap_GainLossOnSaleOfPropertyPlantEquipment_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_GainLossOnSaleOfPropertyPlantEquipment_lbl" xml:lang="en-US">(Gain) loss on sale of fixed assets</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_GainLossOnSaleOfOtherRealEstateOwned" xlink:label="sfst_GainLossOnSaleOfOtherRealEstateOwned" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_GainLossOnSaleOfOtherRealEstateOwned" xlink:to="sfst_GainLossOnSaleOfOtherRealEstateOwned_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="sfst_GainLossOnSaleOfOtherRealEstateOwned_lbl" xml:lang="en-US">(Gain) loss on sale of other real estate owned</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_WriteDownOfOtherRealEstateOwned" xlink:label="sfst_WriteDownOfOtherRealEstateOwned" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_WriteDownOfOtherRealEstateOwned" xlink:to="sfst_WriteDownOfOtherRealEstateOwned_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="sfst_WriteDownOfOtherRealEstateOwned_lbl" xml:lang="en-US">Write-down of other real estate owned</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_OperatingLeasePayment" xlink:label="sfst_OperatingLeasePayment" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_OperatingLeasePayment" xlink:to="sfst_OperatingLeasePayment_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_OperatingLeasePayment_lbl" xml:lang="en-US">Net change in operating leases</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ShareBasedCompensation" xlink:label="us-gaap_ShareBasedCompensation" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensation" xlink:to="us-gaap_ShareBasedCompensation_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ShareBasedCompensation_lbl" xml:lang="en-US">Compensation expense related to stock options and restricted stock grants</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_GainLossOnSalesOfLoansNet" xlink:label="us-gaap_GainLossOnSalesOfLoansNet" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_GainLossOnSalesOfLoansNet" xlink:to="us-gaap_GainLossOnSalesOfLoansNet_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_GainLossOnSalesOfLoansNet_lbl" xml:lang="en-US">Gain on sale of loans held for sale</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_PaymentsForOriginationAndPurchasesOfLoansHeldForSale" xlink:label="us-gaap_PaymentsForOriginationAndPurchasesOfLoansHeldForSale" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsForOriginationAndPurchasesOfLoansHeldForSale" xlink:to="us-gaap_PaymentsForOriginationAndPurchasesOfLoansHeldForSale_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_PaymentsForOriginationAndPurchasesOfLoansHeldForSale_lbl" xml:lang="en-US">Loans originated and held for sale</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ProceedsFromSaleOfLoansHeldForSale" xlink:label="us-gaap_ProceedsFromSaleOfLoansHeldForSale" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromSaleOfLoansHeldForSale" xlink:to="us-gaap_ProceedsFromSaleOfLoansHeldForSale_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ProceedsFromSaleOfLoansHeldForSale_lbl" xml:lang="en-US">Proceeds from sale of loans held for sale</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_BankOwnedLifeInsuranceIncome" xlink:to="us-gaap_BankOwnedLifeInsuranceIncome_2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_BankOwnedLifeInsuranceIncome_2_lbl" xml:lang="en-US">Increase in cash surrender value of bank owned life insurance</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_IncreaseDecreaseInDeferredIncomeTaxes" xlink:label="us-gaap_IncreaseDecreaseInDeferredIncomeTaxes" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInDeferredIncomeTaxes" xlink:to="us-gaap_IncreaseDecreaseInDeferredIncomeTaxes_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_IncreaseDecreaseInDeferredIncomeTaxes_lbl" xml:lang="en-US">(Increase) decrease in deferred tax asset</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_IncreaseDecreaseInOtherOperatingAssets" xlink:label="us-gaap_IncreaseDecreaseInOtherOperatingAssets" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInOtherOperatingAssets" xlink:to="us-gaap_IncreaseDecreaseInOtherOperatingAssets_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_IncreaseDecreaseInOtherOperatingAssets_lbl" xml:lang="en-US">(Increase) decrease in other assets, net</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_IncreaseDecreaseInOtherOperatingLiabilities" xlink:label="us-gaap_IncreaseDecreaseInOtherOperatingLiabilities" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInOtherOperatingLiabilities" xlink:to="us-gaap_IncreaseDecreaseInOtherOperatingLiabilities_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncreaseDecreaseInOtherOperatingLiabilities_lbl" xml:lang="en-US">Increase in other liabilities, net</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:label="us-gaap_NetCashProvidedByUsedInOperatingActivities" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:to="us-gaap_NetCashProvidedByUsedInOperatingActivities_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_NetCashProvidedByUsedInOperatingActivities_lbl" xml:lang="en-US">Net cash provided by operating activities</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:label="us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:to="us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_lbl" xml:lang="en-US">Investing activities</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_IncreaseDecreaseInCashRealizedInvestingActivitiesAbstract" xlink:label="sfst_IncreaseDecreaseInCashRealizedInvestingActivitiesAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_IncreaseDecreaseInCashRealizedInvestingActivitiesAbstract" xlink:to="sfst_IncreaseDecreaseInCashRealizedInvestingActivitiesAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_IncreaseDecreaseInCashRealizedInvestingActivitiesAbstract_lbl" xml:lang="en-US">Increase (decrease) in cash realized from:</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_PaymentsForProceedsFromLoansAndLeases" xlink:label="us-gaap_PaymentsForProceedsFromLoansAndLeases" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsForProceedsFromLoansAndLeases" xlink:to="us-gaap_PaymentsForProceedsFromLoansAndLeases_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_PaymentsForProceedsFromLoansAndLeases_lbl" xml:lang="en-US">Increase in loans, net</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_PaymentsToAcquirePropertyPlantAndEquipment" xlink:label="us-gaap_PaymentsToAcquirePropertyPlantAndEquipment" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsToAcquirePropertyPlantAndEquipment" xlink:to="us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_lbl" xml:lang="en-US">Purchase of property and equipment</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_PaymentToAcquireMarketableSecuritiesAbstract" xlink:label="sfst_PaymentToAcquireMarketableSecuritiesAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_PaymentToAcquireMarketableSecuritiesAbstract" xlink:to="sfst_PaymentToAcquireMarketableSecuritiesAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_PaymentToAcquireMarketableSecuritiesAbstract_lbl" xml:lang="en-US">Purchase of investment securities:</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_PaymentsToAcquireAvailableForSaleSecurities" xlink:label="us-gaap_PaymentsToAcquireAvailableForSaleSecurities" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsToAcquireAvailableForSaleSecurities" xlink:to="us-gaap_PaymentsToAcquireAvailableForSaleSecurities_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_PaymentsToAcquireAvailableForSaleSecurities_lbl" xml:lang="en-US">Available for sale</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_PaymentsToAcquireOtherInvestments" xlink:label="us-gaap_PaymentsToAcquireOtherInvestments" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsToAcquireOtherInvestments" xlink:to="us-gaap_PaymentsToAcquireOtherInvestments_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_PaymentsToAcquireOtherInvestments_lbl" xml:lang="en-US">Other investments</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_ProceedsFromMaturitiesCallsAndRepaymentsOfInvestmentSecuritiesAbstract" xlink:label="sfst_ProceedsFromMaturitiesCallsAndRepaymentsOfInvestmentSecuritiesAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_ProceedsFromMaturitiesCallsAndRepaymentsOfInvestmentSecuritiesAbstract" xlink:to="sfst_ProceedsFromMaturitiesCallsAndRepaymentsOfInvestmentSecuritiesAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_ProceedsFromMaturitiesCallsAndRepaymentsOfInvestmentSecuritiesAbstract_lbl" xml:lang="en-US">Proceeds from maturities, calls and repayments of investment securities:</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities" xlink:label="us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities" xlink:to="us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities_lbl" xml:lang="en-US">Available for sale</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfOtherInvestments" xlink:label="us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfOtherInvestments" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfOtherInvestments" xlink:to="us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfOtherInvestments_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfOtherInvestments_lbl" xml:lang="en-US">Other investments</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ProceedsFromSaleMaturityAndCollectionsOfInvestmentsAbstract" xlink:label="us-gaap_ProceedsFromSaleMaturityAndCollectionsOfInvestmentsAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromSaleMaturityAndCollectionsOfInvestmentsAbstract" xlink:to="us-gaap_ProceedsFromSaleMaturityAndCollectionsOfInvestmentsAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ProceedsFromSaleMaturityAndCollectionsOfInvestmentsAbstract_lbl" xml:lang="en-US">Proceeds from sale of investment securities:</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities" xlink:label="us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities" xlink:to="us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities_lbl" xml:lang="en-US">Proceeds from sale of investment securities available for sale</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_PaymentsToAcquireLifeInsurancePolicies" xlink:label="us-gaap_PaymentsToAcquireLifeInsurancePolicies" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsToAcquireLifeInsurancePolicies" xlink:to="us-gaap_PaymentsToAcquireLifeInsurancePolicies_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_PaymentsToAcquireLifeInsurancePolicies_lbl" xml:lang="en-US">Purchase of life insurance policies</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ProceedsFromSaleOfWhollyOwnedRealEstateAndRealEstateAcquiredInSettlementOfLoans" xlink:label="us-gaap_ProceedsFromSaleOfWhollyOwnedRealEstateAndRealEstateAcquiredInSettlementOfLoans" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromSaleOfWhollyOwnedRealEstateAndRealEstateAcquiredInSettlementOfLoans" xlink:to="us-gaap_ProceedsFromSaleOfWhollyOwnedRealEstateAndRealEstateAcquiredInSettlementOfLoans_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ProceedsFromSaleOfWhollyOwnedRealEstateAndRealEstateAcquiredInSettlementOfLoans_lbl" xml:lang="en-US">Proceeds from sale of other real estate owned</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:label="us-gaap_NetCashProvidedByUsedInInvestingActivities" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:to="us-gaap_NetCashProvidedByUsedInInvestingActivities_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_NetCashProvidedByUsedInInvestingActivities_lbl" xml:lang="en-US">Net cash used for investing activities</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:label="us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:to="us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_lbl" xml:lang="en-US">Financing activities</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_IncreaseDecreaseInCashRealizedFinancingActivitiesAbstract" xlink:label="sfst_IncreaseDecreaseInCashRealizedFinancingActivitiesAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_IncreaseDecreaseInCashRealizedFinancingActivitiesAbstract" xlink:to="sfst_IncreaseDecreaseInCashRealizedFinancingActivitiesAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="sfst_IncreaseDecreaseInCashRealizedFinancingActivitiesAbstract_lbl" xml:lang="en-US">Increase (decrease) in cash realized from:</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_IncreaseDecreaseInDeposits" xlink:label="us-gaap_IncreaseDecreaseInDeposits" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInDeposits" xlink:to="us-gaap_IncreaseDecreaseInDeposits_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncreaseDecreaseInDeposits_lbl" xml:lang="en-US">Increase in deposits, net</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_IncreaseDecreaseInFederalHomeLoanBankAdvancesAndOtherBorrowings" xlink:label="sfst_IncreaseDecreaseInFederalHomeLoanBankAdvancesAndOtherBorrowings" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_IncreaseDecreaseInFederalHomeLoanBankAdvancesAndOtherBorrowings" xlink:to="sfst_IncreaseDecreaseInFederalHomeLoanBankAdvancesAndOtherBorrowings_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_IncreaseDecreaseInFederalHomeLoanBankAdvancesAndOtherBorrowings_lbl" xml:lang="en-US">Increase (decrease) in Federal Home Loan Bank advances and other borrowings</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ProceedsFromSubordinatedShortTermDebt" xlink:label="us-gaap_ProceedsFromSubordinatedShortTermDebt" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromSubordinatedShortTermDebt" xlink:to="us-gaap_ProceedsFromSubordinatedShortTermDebt_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ProceedsFromSubordinatedShortTermDebt_lbl" xml:lang="en-US">Increase of subordinated debt</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ProceedsFromIssuanceOfCommonStock" xlink:label="us-gaap_ProceedsFromIssuanceOfCommonStock" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromIssuanceOfCommonStock" xlink:to="us-gaap_ProceedsFromIssuanceOfCommonStock_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ProceedsFromIssuanceOfCommonStock_lbl" xml:lang="en-US">Issuance of common stock</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ProceedsFromStockOptionsExercised" xlink:label="us-gaap_ProceedsFromStockOptionsExercised" />
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ProceedsFromStockOptionsExercised_lbl" xml:lang="en-US">Proceeds from the exercise of stock options</link:label>
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      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetCashProvidedByUsedInFinancingActivities" xlink:to="us-gaap_NetCashProvidedByUsedInFinancingActivities_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_NetCashProvidedByUsedInFinancingActivities_lbl" xml:lang="en-US">Net cash provided by financing activities</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease" xlink:label="us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease" xlink:to="us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease_lbl" xml:lang="en-US">Net increase (decrease) in cash and cash equivalents</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:label="us-gaap_CashAndCashEquivalentsAtCarryingValue" />
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      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:to="us-gaap_CashAndCashEquivalentsAtCarryingValue_2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="us-gaap_CashAndCashEquivalentsAtCarryingValue_2_lbl" xml:lang="en-US">Cash and cash equivalents, end of year</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_SupplementalCashFlowInformationAbstract" xlink:label="us-gaap_SupplementalCashFlowInformationAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SupplementalCashFlowInformationAbstract" xlink:to="us-gaap_SupplementalCashFlowInformationAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_SupplementalCashFlowInformationAbstract_lbl" xml:lang="en-US">Supplemental information</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_CashPaidAbstract" xlink:label="sfst_CashPaidAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_CashPaidAbstract" xlink:to="sfst_CashPaidAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_CashPaidAbstract_lbl" xml:lang="en-US">Cash paid for</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_InterestPaidNet" xlink:label="us-gaap_InterestPaidNet" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestPaidNet" xlink:to="us-gaap_InterestPaidNet_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InterestPaidNet_lbl" xml:lang="en-US">Interest</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_IncomeTaxesPaid" xlink:label="us-gaap_IncomeTaxesPaid" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncomeTaxesPaid" xlink:to="us-gaap_IncomeTaxesPaid_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncomeTaxesPaid_lbl" xml:lang="en-US">Income taxes</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract" xlink:label="us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract" xlink:to="us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract_lbl" xml:lang="en-US">Schedule of non-cash transactions</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_OtherRealEstateAcquiredInSettlementOfLoans" xlink:label="sfst_OtherRealEstateAcquiredInSettlementOfLoans" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_OtherRealEstateAcquiredInSettlementOfLoans" xlink:to="sfst_OtherRealEstateAcquiredInSettlementOfLoans_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_OtherRealEstateAcquiredInSettlementOfLoans_lbl" xml:lang="en-US">Foreclosure of other real estate</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_UnrealizedGainLossOnSecuritiesNetOfIncomeTaxes" xlink:label="sfst_UnrealizedGainLossOnSecuritiesNetOfIncomeTaxes" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_UnrealizedGainLossOnSecuritiesNetOfIncomeTaxes" xlink:to="sfst_UnrealizedGainLossOnSecuritiesNetOfIncomeTaxes_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_UnrealizedGainLossOnSecuritiesNetOfIncomeTaxes_lbl" xml:lang="en-US">Unrealized (gain) loss on securities, net of income taxes</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_RightOfUseAssetsObtainedInExchangeForLeaseObligationsAbstract" xlink:label="sfst_RightOfUseAssetsObtainedInExchangeForLeaseObligationsAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_RightOfUseAssetsObtainedInExchangeForLeaseObligationsAbstract" xlink:to="sfst_RightOfUseAssetsObtainedInExchangeForLeaseObligationsAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_RightOfUseAssetsObtainedInExchangeForLeaseObligationsAbstract_lbl" xml:lang="en-US">Right-of-use assets obtained in exchange for lease obligations:</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_OperatingLeases" xlink:label="sfst_OperatingLeases" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_OperatingLeases" xlink:to="sfst_OperatingLeases_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_OperatingLeases_lbl" xml:lang="en-US">Operating leases</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_AccountingPoliciesAbstract" xlink:label="us-gaap_AccountingPoliciesAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccountingPoliciesAbstract" xlink:to="us-gaap_AccountingPoliciesAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AccountingPoliciesAbstract_lbl" xml:lang="en-US">Accounting Policies [Abstract]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_SignificantAccountingPoliciesTextBlock" xlink:label="us-gaap_SignificantAccountingPoliciesTextBlock" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SignificantAccountingPoliciesTextBlock" xlink:to="us-gaap_SignificantAccountingPoliciesTextBlock_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_SignificantAccountingPoliciesTextBlock_lbl" xml:lang="en-US">Summary of Significant Accounting Policies and Activities</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract" xlink:label="us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract" xlink:to="us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_lbl" xml:lang="en-US">Investments, Debt and Equity Securities [Abstract]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock" xlink:label="us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock" xlink:to="us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock_lbl" xml:lang="en-US">Investment Securities</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_MortgageLoansHeldForSaleAbstract" xlink:label="sfst_MortgageLoansHeldForSaleAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_MortgageLoansHeldForSaleAbstract" xlink:to="sfst_MortgageLoansHeldForSaleAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_MortgageLoansHeldForSaleAbstract_lbl" xml:lang="en-US">Mortgage Loans Held for Sale [Abstract]</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_MortgageLoansHeldForSaleTextBlock" xlink:label="sfst_MortgageLoansHeldForSaleTextBlock" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_MortgageLoansHeldForSaleTextBlock" xlink:to="sfst_MortgageLoansHeldForSaleTextBlock_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_MortgageLoansHeldForSaleTextBlock_lbl" xml:lang="en-US">Mortgage Loans Held for Sale</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_AccountsNotesLoansAndFinancingReceivableGrossAllowanceAndNetAbstract" xlink:label="us-gaap_AccountsNotesLoansAndFinancingReceivableGrossAllowanceAndNetAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccountsNotesLoansAndFinancingReceivableGrossAllowanceAndNetAbstract" xlink:to="us-gaap_AccountsNotesLoansAndFinancingReceivableGrossAllowanceAndNetAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AccountsNotesLoansAndFinancingReceivableGrossAllowanceAndNetAbstract_lbl" xml:lang="en-US">Accounts, Notes, Loans and Financing Receivable, Gross, Allowance, and Net [Abstract]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock" xlink:label="us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock" xlink:to="us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock_lbl" xml:lang="en-US">Loans and Allowance for Loan Losses</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_TroubledDebtRestructuringsAbstract" xlink:label="sfst_TroubledDebtRestructuringsAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_TroubledDebtRestructuringsAbstract" xlink:to="sfst_TroubledDebtRestructuringsAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_TroubledDebtRestructuringsAbstract_lbl" xml:lang="en-US">Troubled Debt Restructurings [Abstract]</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_TroubledDebtRestructuringTextBlock" xlink:label="sfst_TroubledDebtRestructuringTextBlock" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_TroubledDebtRestructuringTextBlock" xlink:to="sfst_TroubledDebtRestructuringTextBlock_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_TroubledDebtRestructuringTextBlock_lbl" xml:lang="en-US">Troubled Debt Restructurings</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_PropertyPlantAndEquipmentAbstract" xlink:label="us-gaap_PropertyPlantAndEquipmentAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PropertyPlantAndEquipmentAbstract" xlink:to="us-gaap_PropertyPlantAndEquipmentAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PropertyPlantAndEquipmentAbstract_lbl" xml:lang="en-US">Property, Plant and Equipment [Abstract]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock" xlink:label="us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock" xlink:to="us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock_lbl" xml:lang="en-US">Property and Equipment</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_LeasesAbstract" xlink:label="us-gaap_LeasesAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LeasesAbstract" xlink:to="us-gaap_LeasesAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LeasesAbstract_lbl" xml:lang="en-US">Leases [Abstract]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_LesseeOperatingLeasesTextBlock" xlink:label="us-gaap_LesseeOperatingLeasesTextBlock" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LesseeOperatingLeasesTextBlock" xlink:to="us-gaap_LesseeOperatingLeasesTextBlock_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LesseeOperatingLeasesTextBlock_lbl" xml:lang="en-US">Leases</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_RealEstateAbstract" xlink:label="us-gaap_RealEstateAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RealEstateAbstract" xlink:to="us-gaap_RealEstateAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_RealEstateAbstract_lbl" xml:lang="en-US">Real Estate [Abstract]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_RealEstateOwnedTextBlock" xlink:label="us-gaap_RealEstateOwnedTextBlock" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RealEstateOwnedTextBlock" xlink:to="us-gaap_RealEstateOwnedTextBlock_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_RealEstateOwnedTextBlock_lbl" xml:lang="en-US">Other Real Estate Owned</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_DepositsAbstract" xlink:label="us-gaap_DepositsAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DepositsAbstract" xlink:to="us-gaap_DepositsAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DepositsAbstract_lbl" xml:lang="en-US">Deposits [Abstract]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_DepositLiabilitiesDisclosuresTextBlock" xlink:label="us-gaap_DepositLiabilitiesDisclosuresTextBlock" />
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_DepositLiabilitiesDisclosuresTextBlock_lbl" xml:lang="en-US">Deposits</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_FederalHomeLoanBankAdvancesAndOtherBorrowingsAbstract" xlink:label="sfst_FederalHomeLoanBankAdvancesAndOtherBorrowingsAbstract" />
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      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ConcentrationRiskCreditRisk" xlink:to="us-gaap_ConcentrationRiskCreditRisk_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ConcentrationRiskCreditRisk_lbl" xml:lang="en-US">Risks and Uncertainties</link:label>
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_SubsequentEventsPolicyPolicyTextBlock_lbl" xml:lang="en-US">Subsequent Events</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_PriorPeriodReclassificationAdjustmentDescription" xlink:label="us-gaap_PriorPeriodReclassificationAdjustmentDescription" />
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PriorPeriodReclassificationAdjustmentDescription_lbl" xml:lang="en-US">Reclassifications</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_CashAndCashEquivalentsPolicyTextBlock" xlink:label="us-gaap_CashAndCashEquivalentsPolicyTextBlock" />
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CashAndCashEquivalentsPolicyTextBlock_lbl" xml:lang="en-US">Cash and Cash Equivalents</link:label>
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      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InvestmentPolicyTextBlock" xlink:to="us-gaap_InvestmentPolicyTextBlock_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_InvestmentPolicyTextBlock_lbl" xml:lang="en-US">Investment Securities</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_OtherInvestmentsPolicyTextBlock" xlink:label="sfst_OtherInvestmentsPolicyTextBlock" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_OtherInvestmentsPolicyTextBlock" xlink:to="sfst_OtherInvestmentsPolicyTextBlock_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_OtherInvestmentsPolicyTextBlock_lbl" xml:lang="en-US">Other Investments</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_FinanceLoansAndLeasesReceivablePolicy" xlink:label="us-gaap_FinanceLoansAndLeasesReceivablePolicy" />
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_FinanceLoansAndLeasesReceivablePolicy_lbl" xml:lang="en-US">Loans</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_LoansAndLeasesReceivablePastDueStatusPolicy" xlink:label="us-gaap_LoansAndLeasesReceivablePastDueStatusPolicy" />
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LoansAndLeasesReceivablePastDueStatusPolicy_lbl" xml:lang="en-US">Nonaccrual and Past Due Loans</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_LoansAndLeasesReceivableNonperformingLoanAndLeasePolicy" xlink:label="us-gaap_LoansAndLeasesReceivableNonperformingLoanAndLeasePolicy" />
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LoansAndLeasesReceivableNonperformingLoanAndLeasePolicy_lbl" xml:lang="en-US">Nonperforming Assets</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ImpairedFinancingReceivablePolicyPolicyTextBlock" xlink:label="us-gaap_ImpairedFinancingReceivablePolicyPolicyTextBlock" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ImpairedFinancingReceivablePolicyPolicyTextBlock" xlink:to="us-gaap_ImpairedFinancingReceivablePolicyPolicyTextBlock_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ImpairedFinancingReceivablePolicyPolicyTextBlock_lbl" xml:lang="en-US">Impaired Loans</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_LoanChargeOffPolicyPolicyTextBlock" xlink:label="sfst_LoanChargeOffPolicyPolicyTextBlock" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_LoanChargeOffPolicyPolicyTextBlock" xlink:to="sfst_LoanChargeOffPolicyPolicyTextBlock_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_LoanChargeOffPolicyPolicyTextBlock_lbl" xml:lang="en-US">Loan Charge-off Policy</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_LoansAndLeasesReceivableTroubledDebtRestructuringPolicy" xlink:label="us-gaap_LoansAndLeasesReceivableTroubledDebtRestructuringPolicy" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LoansAndLeasesReceivableTroubledDebtRestructuringPolicy" xlink:to="us-gaap_LoansAndLeasesReceivableTroubledDebtRestructuringPolicy_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LoansAndLeasesReceivableTroubledDebtRestructuringPolicy_lbl" xml:lang="en-US">Troubled Debt Restructuring (TDRs)</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_LoansAndLeasesReceivableAllowanceForLoanLossesPolicy" xlink:label="us-gaap_LoansAndLeasesReceivableAllowanceForLoanLossesPolicy" />
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      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_RealEstatePolicyTextBlock" xlink:label="us-gaap_RealEstatePolicyTextBlock" />
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_RealEstatePolicyTextBlock_lbl" xml:lang="en-US">Other Real Estate Owned</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_PropertyPlantAndEquipmentPolicyTextBlock" xlink:label="us-gaap_PropertyPlantAndEquipmentPolicyTextBlock" />
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_PropertyPlantAndEquipmentPolicyTextBlock_lbl" xml:lang="en-US">Property and Equipment</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_BankOwnedLifeInsurancePoliciesPolicyTextBlock" xlink:label="sfst_BankOwnedLifeInsurancePoliciesPolicyTextBlock" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_BankOwnedLifeInsurancePoliciesPolicyTextBlock" xlink:to="sfst_BankOwnedLifeInsurancePoliciesPolicyTextBlock_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_BankOwnedLifeInsurancePoliciesPolicyTextBlock_lbl" xml:lang="en-US">Bank Owned Life Insurance Policies</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_RepurchaseAndResaleAgreementsPolicy" xlink:label="us-gaap_RepurchaseAndResaleAgreementsPolicy" />
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_RepurchaseAndResaleAgreementsPolicy_lbl" xml:lang="en-US">Securities Sold Under Agreements to Repurchase</link:label>
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ComprehensiveIncomePolicyPolicyTextBlock_lbl" xml:lang="en-US">Comprehensive Income</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_RevenueFromContractWithCustomerPolicyTextBlock" xlink:label="us-gaap_RevenueFromContractWithCustomerPolicyTextBlock" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RevenueFromContractWithCustomerPolicyTextBlock" xlink:to="us-gaap_RevenueFromContractWithCustomerPolicyTextBlock_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_RevenueFromContractWithCustomerPolicyTextBlock_lbl" xml:lang="en-US">Revenue from Contracts with Customers</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_IncomeTaxPolicyTextBlock" xlink:label="us-gaap_IncomeTaxPolicyTextBlock" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncomeTaxPolicyTextBlock" xlink:to="us-gaap_IncomeTaxPolicyTextBlock_lbl" xlink:type="arc" />
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      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ShareBasedCompensationOptionAndIncentivePlansPolicy" xlink:label="us-gaap_ShareBasedCompensationOptionAndIncentivePlansPolicy" />
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_ShareBasedCompensationOptionAndIncentivePlansPolicy_lbl" xml:lang="en-US">Stock-Based Compensation</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock" xlink:label="us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock" />
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock_lbl" xml:lang="en-US">Adoption of New Accounting Standards</link:label>
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      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_EffectiveAccountingStandardsNewlyIssuedPolicyTextBlock" xlink:to="sfst_EffectiveAccountingStandardsNewlyIssuedPolicyTextBlock_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_EffectiveAccountingStandardsNewlyIssuedPolicyTextBlock_lbl" xml:lang="en-US">Newly Issued, But Not yet Effective Accounting Standards</link:label>
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ScheduleOfFinancingReceivablesPastDueTable_lbl" xml:lang="en-US">Financing Receivable, Past Due [Table]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems" xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems" xlink:to="us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_lbl" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss [Line Items]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_PastDueFinancingReceivablesTableTextBlock" xlink:label="us-gaap_PastDueFinancingReceivablesTableTextBlock" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PastDueFinancingReceivablesTableTextBlock" xlink:to="us-gaap_PastDueFinancingReceivablesTableTextBlock_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PastDueFinancingReceivablesTableTextBlock_lbl" xml:lang="en-US">Outstanding commercial and consumer loans which include loans on nonaccrual by past due status</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock" xlink:label="us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock" xlink:to="us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock_lbl" xml:lang="en-US">Summary of composition of loan portfolio</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_LoanReceivableByRateTypeTableTextBlock" xlink:label="sfst_LoanReceivableByRateTypeTableTextBlock" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_LoanReceivableByRateTypeTableTextBlock" xlink:to="sfst_LoanReceivableByRateTypeTableTextBlock_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_LoanReceivableByRateTypeTableTextBlock_lbl" xml:lang="en-US">Composition of gross loans by rate type</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock" xlink:label="us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock" xlink:to="us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock_lbl" xml:lang="en-US">Summary of nonperforming assets, including nonaccruing TDRs</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ImpairedFinancingReceivablesTableTextBlock" xlink:label="us-gaap_ImpairedFinancingReceivablesTableTextBlock" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ImpairedFinancingReceivablesTableTextBlock" xlink:to="us-gaap_ImpairedFinancingReceivablesTableTextBlock_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ImpairedFinancingReceivablesTableTextBlock_lbl" xml:lang="en-US">Summary of key information for impaired loans</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_SummaryOfAverageRecordedInvestmentInImpairedLoansAndAmountOfInterestIncomeTableTextBlock" xlink:label="sfst_SummaryOfAverageRecordedInvestmentInImpairedLoansAndAmountOfInterestIncomeTableTextBlock" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_SummaryOfAverageRecordedInvestmentInImpairedLoansAndAmountOfInterestIncomeTableTextBlock" xlink:to="sfst_SummaryOfAverageRecordedInvestmentInImpairedLoansAndAmountOfInterestIncomeTableTextBlock_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_SummaryOfAverageRecordedInvestmentInImpairedLoansAndAmountOfInterestIncomeTableTextBlock_lbl" xml:lang="en-US">Summary of average recorded investment and interest income recognized on impaired loans</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock" xlink:label="us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock" xlink:to="us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock_lbl" xml:lang="en-US">Summary of activity related to allowance for loan losses</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_SummaryOfAllowanceForLoanLossesByCommercialAndConsumerPortfolioSegmentsTableTextBlock" xlink:label="sfst_SummaryOfAllowanceForLoanLossesByCommercialAndConsumerPortfolioSegmentsTableTextBlock" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_SummaryOfAllowanceForLoanLossesByCommercialAndConsumerPortfolioSegmentsTableTextBlock" xlink:to="sfst_SummaryOfAllowanceForLoanLossesByCommercialAndConsumerPortfolioSegmentsTableTextBlock_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_SummaryOfAllowanceForLoanLossesByCommercialAndConsumerPortfolioSegmentsTableTextBlock_lbl" xml:lang="en-US">Summary of allowance for loan losses by commercial and consumer portfolio segments</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_ImpairmentMethodologyForCreditLossesOnFinancingReceivablesTableTextBlock" xlink:label="sfst_ImpairmentMethodologyForCreditLossesOnFinancingReceivablesTableTextBlock" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_ImpairmentMethodologyForCreditLossesOnFinancingReceivablesTableTextBlock" xlink:to="sfst_ImpairmentMethodologyForCreditLossesOnFinancingReceivablesTableTextBlock_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_ImpairmentMethodologyForCreditLossesOnFinancingReceivablesTableTextBlock_lbl" xml:lang="en-US">Summary of allowance for loan losses and recorded investment in loans by impairment methodology</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_OutstandingLoansByRiskCategoryTableTextBlock" xlink:label="sfst_OutstandingLoansByRiskCategoryTableTextBlock" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_OutstandingLoansByRiskCategoryTableTextBlock" xlink:to="sfst_OutstandingLoansByRiskCategoryTableTextBlock_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_OutstandingLoansByRiskCategoryTableTextBlock_lbl" xml:lang="en-US">Summary of breakdown of outstanding loans by risk category</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock" xlink:label="us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock" xlink:to="us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock_lbl" xml:lang="en-US">Summary of concession at the time of modification and the recorded investment in our TDRs before and after their modificatioN</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_PropertyPlantAndEquipmentTextBlock" xlink:label="us-gaap_PropertyPlantAndEquipmentTextBlock" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PropertyPlantAndEquipmentTextBlock" xlink:to="us-gaap_PropertyPlantAndEquipmentTextBlock_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PropertyPlantAndEquipmentTextBlock_lbl" xml:lang="en-US">Components of property and equipment</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_ScheduleOfEstimatedUsefulLivesOfPropertyPlantAndEquipmentTableTextBlock" xlink:label="sfst_ScheduleOfEstimatedUsefulLivesOfPropertyPlantAndEquipmentTableTextBlock" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_ScheduleOfEstimatedUsefulLivesOfPropertyPlantAndEquipmentTableTextBlock" xlink:to="sfst_ScheduleOfEstimatedUsefulLivesOfPropertyPlantAndEquipmentTableTextBlock_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_ScheduleOfEstimatedUsefulLivesOfPropertyPlantAndEquipmentTableTextBlock_lbl" xml:lang="en-US">Schedule of estimated useful lives of property and equipment</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_MaturitiesOfLeaseLiabilitiesTableTextBlock" xlink:label="sfst_MaturitiesOfLeaseLiabilitiesTableTextBlock" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_MaturitiesOfLeaseLiabilitiesTableTextBlock" xlink:to="sfst_MaturitiesOfLeaseLiabilitiesTableTextBlock_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_MaturitiesOfLeaseLiabilitiesTableTextBlock_lbl" xml:lang="en-US">Maturities of Lease Liabilities</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_OtherRealEstateRollForwardTableTextBlock" xlink:label="us-gaap_OtherRealEstateRollForwardTableTextBlock" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherRealEstateRollForwardTableTextBlock" xlink:to="us-gaap_OtherRealEstateRollForwardTableTextBlock_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OtherRealEstateRollForwardTableTextBlock_lbl" xml:lang="en-US">Summary of activity of real estate acquired in settlement of loans portion of other real estate owned</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_DetailOfDepositAccountsTableTextBlock" xlink:label="sfst_DetailOfDepositAccountsTableTextBlock" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_DetailOfDepositAccountsTableTextBlock" xlink:to="sfst_DetailOfDepositAccountsTableTextBlock_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_DetailOfDepositAccountsTableTextBlock_lbl" xml:lang="en-US">Schedule of detail in deposit accounts</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_ScheduledMaturitiesOfCertificatesOfDepositTableTextBlock" xlink:label="sfst_ScheduledMaturitiesOfCertificatesOfDepositTableTextBlock" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_ScheduledMaturitiesOfCertificatesOfDepositTableTextBlock" xlink:to="sfst_ScheduledMaturitiesOfCertificatesOfDepositTableTextBlock_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_ScheduledMaturitiesOfCertificatesOfDepositTableTextBlock_lbl" xml:lang="en-US">Scheduled maturities of certificates of deposit</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTextBlock" xlink:label="us-gaap_ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTextBlock" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTextBlock" xlink:to="us-gaap_ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTextBlock_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTextBlock_lbl" xml:lang="en-US">Summary of terms and maturities of advances of FHLB</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ScheduleOfRepurchaseAgreements" xlink:label="us-gaap_ScheduleOfRepurchaseAgreements" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfRepurchaseAgreements" xlink:to="us-gaap_ScheduleOfRepurchaseAgreements_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ScheduleOfRepurchaseAgreements_lbl" xml:lang="en-US">Schedule of terms and maturities of structured debt agreements</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ScheduleOfNotionalAmountsOfOutstandingDerivativePositionsTableTextBlock" xlink:label="us-gaap_ScheduleOfNotionalAmountsOfOutstandingDerivativePositionsTableTextBlock" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfNotionalAmountsOfOutstandingDerivativePositionsTableTextBlock" xlink:to="us-gaap_ScheduleOfNotionalAmountsOfOutstandingDerivativePositionsTableTextBlock_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ScheduleOfNotionalAmountsOfOutstandingDerivativePositionsTableTextBlock_lbl" xml:lang="en-US">Schedule of outstanding financial derivative instruments</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock" xlink:label="us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock" xlink:to="us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock_lbl" xml:lang="en-US">Schedule of assets and liabilities measured at fair value on recurring basis</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_FairValueAssetsMeasuredOnNonrecurringBasisTextBlock" xlink:label="us-gaap_FairValueAssetsMeasuredOnNonrecurringBasisTextBlock" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueAssetsMeasuredOnNonrecurringBasisTextBlock" xlink:to="us-gaap_FairValueAssetsMeasuredOnNonrecurringBasisTextBlock_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FairValueAssetsMeasuredOnNonrecurringBasisTextBlock_lbl" xml:lang="en-US">Schedule of assets and liabilities measured at fair value on nonrecurring basis</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTableTextBlock" xlink:label="us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTableTextBlock" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTableTextBlock" xlink:to="us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTableTextBlock_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTableTextBlock_lbl" xml:lang="en-US">Schedule of unobservable inputs used in the fair value measurements</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_FairValueByBalanceSheetGroupingTextBlock" xlink:label="us-gaap_FairValueByBalanceSheetGroupingTextBlock" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueByBalanceSheetGroupingTextBlock" xlink:to="us-gaap_FairValueByBalanceSheetGroupingTextBlock_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FairValueByBalanceSheetGroupingTextBlock_lbl" xml:lang="en-US">Schedule of estimated fair values of the Company's financial instruments</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock" xlink:label="us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock" xlink:to="us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock_lbl" xml:lang="en-US">Schedule of earnings per share calculation</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock" xlink:label="us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock" xlink:to="us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock_lbl" xml:lang="en-US">Summary of components of income tax expense</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock" xlink:label="us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock" xlink:to="us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock_lbl" xml:lang="en-US">Summary of taxes computed using the statutory tax rate</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock" xlink:label="us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock" xlink:to="us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock_lbl" xml:lang="en-US">Summary of components of the deferred tax assets and liabilities</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ScheduleOfRelatedPartyTransactionsTableTextBlock" xlink:label="us-gaap_ScheduleOfRelatedPartyTransactionsTableTextBlock" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfRelatedPartyTransactionsTableTextBlock" xlink:to="us-gaap_ScheduleOfRelatedPartyTransactionsTableTextBlock_lbl" xlink:type="arc" />
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      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ScheduleOfShareBasedCompensationEmployeeStockPurchasePlanActivityTableTextBlock" xlink:label="us-gaap_ScheduleOfShareBasedCompensationEmployeeStockPurchasePlanActivityTableTextBlock" />
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      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ScheduleOfAssumptionsUsedTableTextBlock" xlink:label="us-gaap_ScheduleOfAssumptionsUsedTableTextBlock" />
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ScheduleOfAssumptionsUsedTableTextBlock_lbl" xml:lang="en-US">Schedule of assumptions used</link:label>
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      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock" xlink:label="us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock" xlink:to="us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock_lbl" xml:lang="en-US">Summary of capital amounts and ratios of the Bank and the Company and the regulatory minimum requirements</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock" xlink:label="us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock" />
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock_lbl" xml:lang="en-US">Schedule of financial information for each reportable segment</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/srt/2019/elts/srt-2019-01-31.xsd#srt_ScheduleOfCondensedFinancialStatementsTableTextBlock" xlink:label="srt_ScheduleOfCondensedFinancialStatementsTableTextBlock" />
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      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ScheduleOfQuarterlyFinancialInformationTableTextBlock" xlink:label="us-gaap_ScheduleOfQuarterlyFinancialInformationTableTextBlock" />
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ScheduleOfQuarterlyFinancialInformationTableTextBlock_lbl" xml:lang="en-US">Summary of selected quarterly financial information</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ScheduleOfEffectOfFourthQuarterEventsTable" xlink:label="us-gaap_ScheduleOfEffectOfFourthQuarterEventsTable" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfEffectOfFourthQuarterEventsTable" xlink:to="us-gaap_ScheduleOfEffectOfFourthQuarterEventsTable_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ScheduleOfEffectOfFourthQuarterEventsTable_lbl" xml:lang="en-US">Effect of Fourth Quarter Events [Table]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_EffectOfFourthQuarterEventsLineItems" xlink:label="us-gaap_EffectOfFourthQuarterEventsLineItems" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EffectOfFourthQuarterEventsLineItems" xlink:to="us-gaap_EffectOfFourthQuarterEventsLineItems_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_EffectOfFourthQuarterEventsLineItems_lbl" xml:lang="en-US">Effect of Fourth Quarter Events [Line Items]</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_RealEstateLoanPercentageOfAggregateLoan" xlink:label="sfst_RealEstateLoanPercentageOfAggregateLoan" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_RealEstateLoanPercentageOfAggregateLoan" xlink:to="sfst_RealEstateLoanPercentageOfAggregateLoan_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_RealEstateLoanPercentageOfAggregateLoan_lbl" xml:lang="en-US">Real estate loan percentage of total loan</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_InvestmentInTrusts" xlink:label="sfst_InvestmentInTrusts" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_InvestmentInTrusts" xlink:to="sfst_InvestmentInTrusts_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_InvestmentInTrusts_lbl" xml:lang="en-US">Investment in trusts</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_IncomeTaxDescription" xlink:label="sfst_IncomeTaxDescription" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_IncomeTaxDescription" xlink:to="sfst_IncomeTaxDescription_lbl" xlink:type="arc" />
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      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_IncomeTaxReconciliationOtherAdjustments" xlink:label="us-gaap_IncomeTaxReconciliationOtherAdjustments" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncomeTaxReconciliationOtherAdjustments" xlink:to="us-gaap_IncomeTaxReconciliationOtherAdjustments_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncomeTaxReconciliationOtherAdjustments_lbl" xml:lang="en-US">Incremental income tax expense</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_CashEquivalentsAtCarryingValue" xlink:label="us-gaap_CashEquivalentsAtCarryingValue" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CashEquivalentsAtCarryingValue" xlink:to="us-gaap_CashEquivalentsAtCarryingValue_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CashEquivalentsAtCarryingValue_lbl" xml:lang="en-US">Cash and cash equivalents</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesTable" xlink:label="us-gaap_ScheduleOfAvailableForSaleSecuritiesTable" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfAvailableForSaleSecuritiesTable" xlink:to="us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_lbl" xml:lang="en-US">Schedule of Available-for-sale Securities [Table]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems" xlink:label="us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems" xlink:to="us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_lbl" xml:lang="en-US">Debt Securities, Available-for-sale [Line Items]</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_SecuritiesAvailableForSaleMajorCategoriesAbstract" xlink:label="sfst_SecuritiesAvailableForSaleMajorCategoriesAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_SecuritiesAvailableForSaleMajorCategoriesAbstract" xlink:to="sfst_SecuritiesAvailableForSaleMajorCategoriesAbstract_lbl" xlink:type="arc" />
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      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_AvailableForSaleSecuritiesAbstract" xlink:label="us-gaap_AvailableForSaleSecuritiesAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AvailableForSaleSecuritiesAbstract" xlink:to="us-gaap_AvailableForSaleSecuritiesAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_AvailableForSaleSecuritiesAbstract_lbl" xml:lang="en-US">Available for sale</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_AvailableForSaleSecuritiesAmortizedCost" xlink:label="us-gaap_AvailableForSaleSecuritiesAmortizedCost" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AvailableForSaleSecuritiesAmortizedCost" xlink:to="us-gaap_AvailableForSaleSecuritiesAmortizedCost_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AvailableForSaleSecuritiesAmortizedCost_lbl" xml:lang="en-US">Total investment securities available for sale, Amortized Cost</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_AvailableForSaleSecuritiesGrossUnrealizedGains" xlink:label="us-gaap_AvailableForSaleSecuritiesGrossUnrealizedGains" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AvailableForSaleSecuritiesGrossUnrealizedGains" xlink:to="us-gaap_AvailableForSaleSecuritiesGrossUnrealizedGains_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AvailableForSaleSecuritiesGrossUnrealizedGains_lbl" xml:lang="en-US">Total investment securities available for sale, Gross Unrealized Gains</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_AvailableForSaleSecuritiesGrossUnrealizedLoss" xlink:label="us-gaap_AvailableForSaleSecuritiesGrossUnrealizedLoss" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AvailableForSaleSecuritiesGrossUnrealizedLoss" xlink:to="us-gaap_AvailableForSaleSecuritiesGrossUnrealizedLoss_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AvailableForSaleSecuritiesGrossUnrealizedLoss_lbl" xml:lang="en-US">Total investment securities available for sale, Gross Unrealized Losses</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecurities" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtSecurities" />
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtSecurities_lbl" xml:lang="en-US">Available-for-sale securities, investment securities, Fair Value</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAbstract" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAbstract" />
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAbstract_lbl" xml:lang="en-US">Summary of amortized costs and fair values of investment securities available for sale by contractual maturity</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost" />
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost_lbl" xml:lang="en-US">Due within one year, Amortized Cost</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost" />
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost_lbl" xml:lang="en-US">Due after one through five years, Amortized Cost</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost" />
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost_lbl" xml:lang="en-US">Due after five through ten years, Amortized Cost</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost" />
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost_lbl" xml:lang="en-US">Due after ten years, Amortized Cost</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis" xlink:label="us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis" />
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      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue" xlink:to="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue_lbl" xml:lang="en-US">Due within one year, Fair Value</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue" xlink:to="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_lbl" xml:lang="en-US">Due after one through five years, Fair Value</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue" xlink:to="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_lbl" xml:lang="en-US">Due after five through ten years, Fair Value</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue" xlink:to="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue_lbl" xml:lang="en-US">Due after ten years, Fair Value</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AvailableForSaleSecuritiesDebtSecurities" xlink:to="us-gaap_AvailableForSaleSecuritiesDebtSecurities_2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtSecurities_2_lbl" xml:lang="en-US">Available for sale, Fair Value</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLossAbstract" xlink:label="us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLossAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLossAbstract" xlink:to="us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLossAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLossAbstract_lbl" xml:lang="en-US">Summary of gross unrealized losses on investment securities and fair market value of related securities</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_NumberOfInvestmentsInContinuousUnrealizedLossPositionLessThanTwelveMonths" xlink:label="sfst_NumberOfInvestmentsInContinuousUnrealizedLossPositionLessThanTwelveMonths" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_NumberOfInvestmentsInContinuousUnrealizedLossPositionLessThanTwelveMonths" xlink:to="sfst_NumberOfInvestmentsInContinuousUnrealizedLossPositionLessThanTwelveMonths_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_NumberOfInvestmentsInContinuousUnrealizedLossPositionLessThanTwelveMonths_lbl" xml:lang="en-US">Number of investments, Less than 12 months</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue" xlink:label="us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue" xlink:to="us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_lbl" xml:lang="en-US">Available-for-sale Securities, Less than 12 months, Fair Value</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" xlink:label="us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" xlink:to="us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_lbl" xml:lang="en-US">Available-for-sale Securities, Less than 12 months, Unrealized losses</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_NumberOfInvestmentsInContinuousUnrealizedLossPositionTwelveMonthsOrLonger" xlink:label="sfst_NumberOfInvestmentsInContinuousUnrealizedLossPositionTwelveMonthsOrLonger" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_NumberOfInvestmentsInContinuousUnrealizedLossPositionTwelveMonthsOrLonger" xlink:to="sfst_NumberOfInvestmentsInContinuousUnrealizedLossPositionTwelveMonthsOrLonger_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_NumberOfInvestmentsInContinuousUnrealizedLossPositionTwelveMonthsOrLonger_lbl" xml:lang="en-US">Number of investments, 12 months or longer</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue" xlink:label="us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue" xlink:to="us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_lbl" xml:lang="en-US">Available-for-sale Securities, 12 months or longer, Fair Value</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" xlink:label="us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" xlink:to="us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_lbl" xml:lang="en-US">Available-for-sale Securities, 12 months or Longer, Unrealized losses</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_NumberOfInvestmentsInContinuousUnrealizedLossPosition" xlink:label="sfst_NumberOfInvestmentsInContinuousUnrealizedLossPosition" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_NumberOfInvestmentsInContinuousUnrealizedLossPosition" xlink:to="sfst_NumberOfInvestmentsInContinuousUnrealizedLossPosition_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_NumberOfInvestmentsInContinuousUnrealizedLossPosition_lbl" xml:lang="en-US">Number of investments, Total</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue" xlink:label="us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue" xlink:to="us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue_lbl" xml:lang="en-US">Available-for-sale Securities, Fair Value, Total</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss" xlink:label="us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss" xlink:to="us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_lbl" xml:lang="en-US">Available-for-sale Securities, Unrealized Losses, Total</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_OtherInvestmentsAbstract" xlink:label="us-gaap_OtherInvestmentsAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherInvestmentsAbstract" xlink:to="us-gaap_OtherInvestmentsAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_OtherInvestmentsAbstract_lbl" xml:lang="en-US">Other investments</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_InvestmentInFederalHomeLoanBankStockFairValueDisclosure" xlink:label="us-gaap_InvestmentInFederalHomeLoanBankStockFairValueDisclosure" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InvestmentInFederalHomeLoanBankStockFairValueDisclosure" xlink:to="us-gaap_InvestmentInFederalHomeLoanBankStockFairValueDisclosure_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InvestmentInFederalHomeLoanBankStockFairValueDisclosure_lbl" xml:lang="en-US">Federal Home Loan Bank stock</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_CertificatesOfDepositAtCarryingValue" xlink:label="us-gaap_CertificatesOfDepositAtCarryingValue" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CertificatesOfDepositAtCarryingValue" xlink:to="us-gaap_CertificatesOfDepositAtCarryingValue_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_CertificatesOfDepositAtCarryingValue_lbl" xml:lang="en-US">Other investments</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_InvestmentInTrustPreferredSubsidiaries" xlink:label="sfst_InvestmentInTrustPreferredSubsidiaries" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_InvestmentInTrustPreferredSubsidiaries" xlink:to="sfst_InvestmentInTrustPreferredSubsidiaries_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_InvestmentInTrustPreferredSubsidiaries_lbl" xml:lang="en-US">Investment in Trust Preferred subsidiaries</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherInvestments" xlink:to="us-gaap_OtherInvestments_2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_OtherInvestments_2_lbl" xml:lang="en-US">Total other investments</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt" xlink:label="us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt" xlink:to="us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt_lbl" xml:lang="en-US">Sale of investment securities</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_GainOnSaleOfInvestments" xlink:to="us-gaap_GainOnSaleOfInvestments_2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_GainOnSaleOfInvestments_2_lbl" xml:lang="en-US">Gain on sale of investment securities</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_InvestmentsWithFairMarketValueInContinuousUnrealizedLossPositionLessThanTwelveMonths" xlink:label="sfst_InvestmentsWithFairMarketValueInContinuousUnrealizedLossPositionLessThanTwelveMonths" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_InvestmentsWithFairMarketValueInContinuousUnrealizedLossPositionLessThanTwelveMonths" xlink:to="sfst_InvestmentsWithFairMarketValueInContinuousUnrealizedLossPositionLessThanTwelveMonths_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_InvestmentsWithFairMarketValueInContinuousUnrealizedLossPositionLessThanTwelveMonths_lbl" xml:lang="en-US">Fair market value, less than 12 months</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_InvestmentsWithFairMarketValueInContinuousUnrealizedLossPositionTwelveMonthsOrLonger" xlink:label="sfst_InvestmentsWithFairMarketValueInContinuousUnrealizedLossPositionTwelveMonthsOrLonger" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_InvestmentsWithFairMarketValueInContinuousUnrealizedLossPositionTwelveMonthsOrLonger" xlink:to="sfst_InvestmentsWithFairMarketValueInContinuousUnrealizedLossPositionTwelveMonthsOrLonger_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_InvestmentsWithFairMarketValueInContinuousUnrealizedLossPositionTwelveMonthsOrLonger_lbl" xml:lang="en-US">Fair market value,12 months or longer</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_DebtSecuritiesAvailableForSaleRestricted" xlink:label="us-gaap_DebtSecuritiesAvailableForSaleRestricted" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DebtSecuritiesAvailableForSaleRestricted" xlink:to="us-gaap_DebtSecuritiesAvailableForSaleRestricted_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DebtSecuritiesAvailableForSaleRestricted_lbl" xml:lang="en-US">Securities pledged as collateral for repurchase agreements from brokers</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_SecuritiesPledgedToSecureClientDeposit" xlink:label="sfst_SecuritiesPledgedToSecureClientDeposit" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_SecuritiesPledgedToSecureClientDeposit" xlink:to="sfst_SecuritiesPledgedToSecureClientDeposit_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_SecuritiesPledgedToSecureClientDeposit_lbl" xml:lang="en-US">Securities pledged to secure client deposit</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_MortgageLoansHeldForSaleTextualAbstract" xlink:label="sfst_MortgageLoansHeldForSaleTextualAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_MortgageLoansHeldForSaleTextualAbstract" xlink:to="sfst_MortgageLoansHeldForSaleTextualAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_MortgageLoansHeldForSaleTextualAbstract_lbl" xml:lang="en-US">Mortgage Loans Held for Sale (Textual)</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_MortgagesHeldForSaleFairValueDisclosure" xlink:label="us-gaap_MortgagesHeldForSaleFairValueDisclosure" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_MortgagesHeldForSaleFairValueDisclosure" xlink:to="us-gaap_MortgagesHeldForSaleFairValueDisclosure_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_MortgagesHeldForSaleFairValueDisclosure_lbl" xml:lang="en-US">Mortgage loans held for sale, fair value</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:label="us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:to="us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_lbl" xml:lang="en-US">Schedule of Accounts, Notes, Loans and Financing Receivable [Table]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="us-gaap_AccountsNotesAndLoansReceivableLineItems" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:to="us-gaap_AccountsNotesAndLoansReceivableLineItems_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AccountsNotesAndLoansReceivableLineItems_lbl" xml:lang="en-US">Accounts, Notes, Loans and Financing Receivable [Line Items]</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:to="us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_2_lbl" xml:lang="en-US">Class of Financing Receivable [Axis]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract" xlink:label="us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract" xlink:to="us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract_lbl" xml:lang="en-US">Composition of loan portfolio</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome" xlink:to="us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome_2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome_2_lbl" xml:lang="en-US">Total gross loans, net of deferred fees</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LoansAndLeasesReceivableAllowance" xlink:to="us-gaap_LoansAndLeasesReceivableAllowance_2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:label="us-gaap_LoansAndLeasesReceivableAllowance_2_lbl" xml:lang="en-US">Less - allowance for loan losses</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LoansAndLeasesReceivableNetReportedAmount" xlink:to="us-gaap_LoansAndLeasesReceivableNetReportedAmount_2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LoansAndLeasesReceivableNetReportedAmount_2_lbl" xml:lang="en-US">Total loans, net</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_LoansAndLeasesReceivableNetOfDeferredIncomePercentage" xlink:label="sfst_LoansAndLeasesReceivableNetOfDeferredIncomePercentage" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_LoansAndLeasesReceivableNetOfDeferredIncomePercentage" xlink:to="sfst_LoansAndLeasesReceivableNetOfDeferredIncomePercentage_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_LoansAndLeasesReceivableNetOfDeferredIncomePercentage_lbl" xml:lang="en-US">Total gross loans, net of deferred fees, (Percentage)</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_LoansAndLeasesReceivableOtherInformationAbstract" xlink:label="us-gaap_LoansAndLeasesReceivableOtherInformationAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LoansAndLeasesReceivableOtherInformationAbstract" xlink:to="us-gaap_LoansAndLeasesReceivableOtherInformationAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_LoansAndLeasesReceivableOtherInformationAbstract_lbl" xml:lang="en-US">Composition of gross loans by rate type</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_LoansReceivableWithVariableRatesOfInterest1" xlink:label="us-gaap_LoansReceivableWithVariableRatesOfInterest1" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LoansReceivableWithVariableRatesOfInterest1" xlink:to="us-gaap_LoansReceivableWithVariableRatesOfInterest1_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LoansReceivableWithVariableRatesOfInterest1_lbl" xml:lang="en-US">Variable rate loans</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_LoansReceivableWithFixedRatesOfInterest1" xlink:label="us-gaap_LoansReceivableWithFixedRatesOfInterest1" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LoansReceivableWithFixedRatesOfInterest1" xlink:to="us-gaap_LoansReceivableWithFixedRatesOfInterest1_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LoansReceivableWithFixedRatesOfInterest1_lbl" xml:lang="en-US">Fixed rate loans</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome" xlink:to="us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome_3_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome_3_lbl" xml:lang="en-US">Total gross loans, net of deferred fees</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract" xlink:label="us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract" xlink:to="us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract_lbl" xml:lang="en-US">Outstanding commercial and consumer loans which include loans on nonaccrual status</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentCurrent" xlink:label="us-gaap_FinancingReceivableRecordedInvestmentCurrent" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableRecordedInvestmentCurrent" xlink:to="us-gaap_FinancingReceivableRecordedInvestmentCurrent_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FinancingReceivableRecordedInvestmentCurrent_lbl" xml:lang="en-US">Current</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentPastDue" xlink:label="us-gaap_FinancingReceivableRecordedInvestmentPastDue" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableRecordedInvestmentPastDue" xlink:to="us-gaap_FinancingReceivableRecordedInvestmentPastDue_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FinancingReceivableRecordedInvestmentPastDue_lbl" xml:lang="en-US">30-59 days past due</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_FinancingReceivableRecordedInvestmentPastDueOne" xlink:label="sfst_FinancingReceivableRecordedInvestmentPastDueOne" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_FinancingReceivableRecordedInvestmentPastDueOne" xlink:to="sfst_FinancingReceivableRecordedInvestmentPastDueOne_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_FinancingReceivableRecordedInvestmentPastDueOne_lbl" xml:lang="en-US">60-89 days past due</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_FinancingReceivableRecordedInvestmentPastDueTwo" xlink:label="sfst_FinancingReceivableRecordedInvestmentPastDueTwo" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_FinancingReceivableRecordedInvestmentPastDueTwo" xlink:to="sfst_FinancingReceivableRecordedInvestmentPastDueTwo_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_FinancingReceivableRecordedInvestmentPastDueTwo_lbl" xml:lang="en-US">Greater than 90 days</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_LoansAndLeasesReceivableBeforeFeesGross" xlink:label="us-gaap_LoansAndLeasesReceivableBeforeFeesGross" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LoansAndLeasesReceivableBeforeFeesGross" xlink:to="us-gaap_LoansAndLeasesReceivableBeforeFeesGross_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LoansAndLeasesReceivableBeforeFeesGross_lbl" xml:lang="en-US">Total commercial loans</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable" xlink:label="us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable" xlink:to="us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_lbl" xml:lang="en-US">Financing Receivable, Credit Quality Indicator [Table]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentLineItems" xlink:label="us-gaap_FinancingReceivableRecordedInvestmentLineItems" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableRecordedInvestmentLineItems" xlink:to="us-gaap_FinancingReceivableRecordedInvestmentLineItems_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FinancingReceivableRecordedInvestmentLineItems_lbl" xml:lang="en-US">Financing Receivable, Credit Quality Indicator [Line Items]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/srt/2019/elts/srt-2019-01-31.xsd#srt_CreditRatingAMBestAxis" xlink:label="srt_CreditRatingAMBestAxis" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="srt_CreditRatingAMBestAxis" xlink:to="srt_CreditRatingAMBestAxis_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="srt_CreditRatingAMBestAxis_lbl" xml:lang="en-US">Credit Rating, AM Best [Axis]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/srt/2019/elts/srt-2019-01-31.xsd#srt_ProductOrServiceAxis" xlink:label="srt_ProductOrServiceAxis" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="srt_ProductOrServiceAxis" xlink:to="srt_ProductOrServiceAxis_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="srt_ProductOrServiceAxis_lbl" xml:lang="en-US">Product and Service [Axis]</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LoansAndLeasesReceivableBeforeFeesGross" xlink:to="us-gaap_LoansAndLeasesReceivableBeforeFeesGross_2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_LoansAndLeasesReceivableBeforeFeesGross_2_lbl" xml:lang="en-US">Outstanding commercial loans</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LoansAndLeasesReceivableBeforeFeesGross" xlink:to="us-gaap_LoansAndLeasesReceivableBeforeFeesGross_3_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_LoansAndLeasesReceivableBeforeFeesGross_3_lbl" xml:lang="en-US">Total consumer loans</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_OutstandingLoansByRiskCategoryAbstract" xlink:label="sfst_OutstandingLoansByRiskCategoryAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_OutstandingLoansByRiskCategoryAbstract" xlink:to="sfst_OutstandingLoansByRiskCategoryAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_OutstandingLoansByRiskCategoryAbstract_lbl" xml:lang="en-US">Outstanding commercial and consumer loans by risk category</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LoansAndLeasesReceivableBeforeFeesGross" xlink:to="us-gaap_LoansAndLeasesReceivableBeforeFeesGross_4_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_LoansAndLeasesReceivableBeforeFeesGross_4_lbl" xml:lang="en-US">Outstanding consumer loans</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems" xlink:label="us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems" xlink:to="us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_lbl" xml:lang="en-US">Financing Receivable, Past Due [Line Items]</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_SummeryOfNonperformingAssetsAbstract" xlink:label="sfst_SummeryOfNonperformingAssetsAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_SummeryOfNonperformingAssetsAbstract" xlink:to="sfst_SummeryOfNonperformingAssetsAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_SummeryOfNonperformingAssetsAbstract_lbl" xml:lang="en-US">Summary of nonperforming assets</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_NonaccruingTroubledDebtRestructurings" xlink:label="sfst_NonaccruingTroubledDebtRestructurings" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_NonaccruingTroubledDebtRestructurings" xlink:to="sfst_NonaccruingTroubledDebtRestructurings_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_NonaccruingTroubledDebtRestructurings_lbl" xml:lang="en-US">Nonaccruing troubled debt restructurings</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_NonaccrualLoansIncludingNonaccruingTroubledDebtRestructurings" xlink:label="sfst_NonaccrualLoansIncludingNonaccruingTroubledDebtRestructurings" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_NonaccrualLoansIncludingNonaccruingTroubledDebtRestructurings" xlink:to="sfst_NonaccrualLoansIncludingNonaccruingTroubledDebtRestructurings_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_NonaccrualLoansIncludingNonaccruingTroubledDebtRestructurings_lbl" xml:lang="en-US">Total nonaccrual loans, including nonaccruing TDRs</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_OtherRealEstate" xlink:label="us-gaap_OtherRealEstate" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherRealEstate" xlink:to="us-gaap_OtherRealEstate_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OtherRealEstate_lbl" xml:lang="en-US">Other real estate owned</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_NonaccrualLoansAndOtherRealEstate" xlink:label="sfst_NonaccrualLoansAndOtherRealEstate" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_NonaccrualLoansAndOtherRealEstate" xlink:to="sfst_NonaccrualLoansAndOtherRealEstate_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_NonaccrualLoansAndOtherRealEstate_lbl" xml:lang="en-US">Total nonperforming assets</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_NonperformingAssetsInRelativePercentageAbstract" xlink:label="sfst_NonperformingAssetsInRelativePercentageAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_NonperformingAssetsInRelativePercentageAbstract" xlink:to="sfst_NonperformingAssetsInRelativePercentageAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_NonperformingAssetsInRelativePercentageAbstract_lbl" xml:lang="en-US">Nonperforming assets as a percentage of:</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_NonperformingAssetsAsPercentageOfAssets" xlink:label="sfst_NonperformingAssetsAsPercentageOfAssets" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_NonperformingAssetsAsPercentageOfAssets" xlink:to="sfst_NonperformingAssetsAsPercentageOfAssets_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_NonperformingAssetsAsPercentageOfAssets_lbl" xml:lang="en-US">Total assets</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_NonperformingAssetsAsPercentageOfGrossLoans" xlink:label="sfst_NonperformingAssetsAsPercentageOfGrossLoans" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_NonperformingAssetsAsPercentageOfGrossLoans" xlink:to="sfst_NonperformingAssetsAsPercentageOfGrossLoans_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_NonperformingAssetsAsPercentageOfGrossLoans_lbl" xml:lang="en-US">Gross loans</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_LoansOverNinetyDaysPastDue" xlink:label="sfst_LoansOverNinetyDaysPastDue" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_LoansOverNinetyDaysPastDue" xlink:to="sfst_LoansOverNinetyDaysPastDue_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_LoansOverNinetyDaysPastDue_lbl" xml:lang="en-US">Total loans over 90 days past due</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing" xlink:label="us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing" xlink:to="us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing_lbl" xml:lang="en-US">Loans over 90 days past due and still accruing</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_AccruingTroubledDebtRestructurings" xlink:label="sfst_AccruingTroubledDebtRestructurings" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_AccruingTroubledDebtRestructurings" xlink:to="sfst_AccruingTroubledDebtRestructurings_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_AccruingTroubledDebtRestructurings_lbl" xml:lang="en-US">Accruing TDRs</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ScheduleOfImpairedFinancingReceivableTable" xlink:label="us-gaap_ScheduleOfImpairedFinancingReceivableTable" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfImpairedFinancingReceivableTable" xlink:to="us-gaap_ScheduleOfImpairedFinancingReceivableTable_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ScheduleOfImpairedFinancingReceivableTable_lbl" xml:lang="en-US">Schedule of Impaired Financing Receivable [Table]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_FinancingReceivableImpairedLineItems" xlink:label="us-gaap_FinancingReceivableImpairedLineItems" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableImpairedLineItems" xlink:to="us-gaap_FinancingReceivableImpairedLineItems_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FinancingReceivableImpairedLineItems_lbl" xml:lang="en-US">Financing Receivable, Impaired [Line Items]</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_SummaryOfKeyInformationForImpairedLoansAbstract" xlink:label="sfst_SummaryOfKeyInformationForImpairedLoansAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_SummaryOfKeyInformationForImpairedLoansAbstract" xlink:to="sfst_SummaryOfKeyInformationForImpairedLoansAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="sfst_SummaryOfKeyInformationForImpairedLoansAbstract_lbl" xml:lang="en-US">Summary of key information for impaired loans</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance" xlink:label="us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance" xlink:to="us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance_lbl" xml:lang="en-US">Unpaid Principal Balance</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ImpairedFinancingReceivableRecordedInvestment" xlink:label="us-gaap_ImpairedFinancingReceivableRecordedInvestment" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ImpairedFinancingReceivableRecordedInvestment" xlink:to="us-gaap_ImpairedFinancingReceivableRecordedInvestment_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ImpairedFinancingReceivableRecordedInvestment_lbl" xml:lang="en-US">Impaired loans</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment" xlink:label="us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment" xlink:to="us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment_lbl" xml:lang="en-US">Impaired loans with no related allowance for loan losses</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment" xlink:label="us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment" xlink:to="us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment_lbl" xml:lang="en-US">Impaired loans with related allowance for loan losses</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ImpairedFinancingReceivableRelatedAllowance" xlink:label="us-gaap_ImpairedFinancingReceivableRelatedAllowance" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ImpairedFinancingReceivableRelatedAllowance" xlink:to="us-gaap_ImpairedFinancingReceivableRelatedAllowance_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ImpairedFinancingReceivableRelatedAllowance_lbl" xml:lang="en-US">Related allowance for loan losses</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable" xlink:label="us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable" xlink:to="us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_lbl" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss [Table]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ImpairedFinancingReceivableAverageRecordedInvestmentAbstract" xlink:label="us-gaap_ImpairedFinancingReceivableAverageRecordedInvestmentAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ImpairedFinancingReceivableAverageRecordedInvestmentAbstract" xlink:to="us-gaap_ImpairedFinancingReceivableAverageRecordedInvestmentAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ImpairedFinancingReceivableAverageRecordedInvestmentAbstract_lbl" xml:lang="en-US">Average recorded investment and interest income recognized on impaired loans</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment" xlink:label="us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment" xlink:to="us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment_lbl" xml:lang="en-US">Average recorded investment</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod" xlink:label="us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod" xlink:to="us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod_lbl" xml:lang="en-US">Recognized interest income</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward" xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward" xlink:to="us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward_lbl" xml:lang="en-US">Financing Receivable, Allowance For Credit Losses [Roll Forward]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLosses" xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLosses" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableAllowanceForCreditLosses" xlink:to="us-gaap_FinancingReceivableAllowanceForCreditLosses_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLosses_lbl" xml:lang="en-US">Balance, beginning of period</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs" xlink:label="us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs" xlink:to="us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs_lbl" xml:lang="en-US">Total loan charge-offs</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ValuationAllowancesAndReservesRecoveries" xlink:label="us-gaap_ValuationAllowancesAndReservesRecoveries" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ValuationAllowancesAndReservesRecoveries" xlink:to="us-gaap_ValuationAllowancesAndReservesRecoveries_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ValuationAllowancesAndReservesRecoveries_lbl" xml:lang="en-US">Loan recoveries</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_AllowanceForLoanAndLeaseLossesWriteOffsNetOfRecoveries" xlink:label="sfst_AllowanceForLoanAndLeaseLossesWriteOffsNetOfRecoveries" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_AllowanceForLoanAndLeaseLossesWriteOffsNetOfRecoveries" xlink:to="sfst_AllowanceForLoanAndLeaseLossesWriteOffsNetOfRecoveries_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_AllowanceForLoanAndLeaseLossesWriteOffsNetOfRecoveries_lbl" xml:lang="en-US">Net loan charge-offs</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableAllowanceForCreditLosses" xlink:to="us-gaap_FinancingReceivableAllowanceForCreditLosses_2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLosses_2_lbl" xml:lang="en-US">Balance, end of period</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward" xlink:to="us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward_2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward_2_lbl" xml:lang="en-US">Summary of activity related to our allowance for loan losses</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProvisionForLoanLeaseAndOtherLosses" xlink:to="us-gaap_ProvisionForLoanLeaseAndOtherLosses_2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_ProvisionForLoanLeaseAndOtherLosses_2_lbl" xml:lang="en-US">Provision</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs" xlink:to="us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs_2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs_2_lbl" xml:lang="en-US">Loan charge-offs</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossAdditionalInformationAbstract" xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLossAdditionalInformationAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableAllowanceForCreditLossAdditionalInformationAbstract" xlink:to="us-gaap_FinancingReceivableAllowanceForCreditLossAdditionalInformationAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLossAdditionalInformationAbstract_lbl" xml:lang="en-US">Allowance for loan losses and recorded investment in loans by impairment methodology</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1" xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1" xlink:to="us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1_lbl" xml:lang="en-US">Allowance for loan losses, Individually evaluated</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment" xlink:label="us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment" xlink:to="us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment_lbl" xml:lang="en-US">Recorded investment in loans, Individually evaluated</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment" xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment" xlink:to="us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment_lbl" xml:lang="en-US">Allowance for loan losses, Collectively evaluated</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment" xlink:label="us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment" xlink:to="us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment_lbl" xml:lang="en-US">Recorded investment in loans, Collectively evaluated</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableAllowanceForCreditLosses" xlink:to="us-gaap_FinancingReceivableAllowanceForCreditLosses_3_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLosses_3_lbl" xml:lang="en-US">Allowance for loan losses, Total</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome" xlink:to="us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome_4_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome_4_lbl" xml:lang="en-US">Recorded investment in loans, Total</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_PartOfLoansOfThirtyDaysOrMorePastDueAsPercentageOfAggregateLoanPortfolio" xlink:label="sfst_PartOfLoansOfThirtyDaysOrMorePastDueAsPercentageOfAggregateLoanPortfolio" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_PartOfLoansOfThirtyDaysOrMorePastDueAsPercentageOfAggregateLoanPortfolio" xlink:to="sfst_PartOfLoansOfThirtyDaysOrMorePastDueAsPercentageOfAggregateLoanPortfolio_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_PartOfLoansOfThirtyDaysOrMorePastDueAsPercentageOfAggregateLoanPortfolio_lbl" xml:lang="en-US">Part of loans of 30 days or more past due as a percentage of total loan portfolio</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_ConsumerLoansPercentageOfAggregateRealEstateLoan" xlink:label="sfst_ConsumerLoansPercentageOfAggregateRealEstateLoan" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_ConsumerLoansPercentageOfAggregateRealEstateLoan" xlink:to="sfst_ConsumerLoansPercentageOfAggregateRealEstateLoan_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_ConsumerLoansPercentageOfAggregateRealEstateLoan_lbl" xml:lang="en-US">Consumer loans percentage of total real estate loan</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_MortgageLoanPledgedAsCollateralForAdvancesFromFhlb" xlink:label="sfst_MortgageLoanPledgedAsCollateralForAdvancesFromFhlb" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_MortgageLoanPledgedAsCollateralForAdvancesFromFhlb" xlink:to="sfst_MortgageLoanPledgedAsCollateralForAdvancesFromFhlb_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_MortgageLoanPledgedAsCollateralForAdvancesFromFhlb_lbl" xml:lang="en-US">Mortgage loan pledged as collateral for advances from FHLB</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_CommercialLoansPercentageOfAggregateRealEstateLoan" xlink:label="sfst_CommercialLoansPercentageOfAggregateRealEstateLoan" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_CommercialLoansPercentageOfAggregateRealEstateLoan" xlink:to="sfst_CommercialLoansPercentageOfAggregateRealEstateLoan_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_CommercialLoansPercentageOfAggregateRealEstateLoan_lbl" xml:lang="en-US">Commercial loans percentage of total real estate loan</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_ForegoneInterestIncomeOnNonAccrualLoans" xlink:label="sfst_ForegoneInterestIncomeOnNonAccrualLoans" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_ForegoneInterestIncomeOnNonAccrualLoans" xlink:to="sfst_ForegoneInterestIncomeOnNonAccrualLoans_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_ForegoneInterestIncomeOnNonAccrualLoans_lbl" xml:lang="en-US">Foregone interest income on non accrual loans</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_LoansAndLeasesReceivableDeferredIncome" xlink:label="us-gaap_LoansAndLeasesReceivableDeferredIncome" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LoansAndLeasesReceivableDeferredIncome" xlink:to="us-gaap_LoansAndLeasesReceivableDeferredIncome_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LoansAndLeasesReceivableDeferredIncome_lbl" xml:lang="en-US">Net of deferred loan fees and costs</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable" xlink:label="us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable" xlink:to="us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_lbl" xml:lang="en-US">Financing Receivable, Troubled Debt Restructuring [Table]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_FinancingReceivableModificationsLineItems" xlink:label="us-gaap_FinancingReceivableModificationsLineItems" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableModificationsLineItems" xlink:to="us-gaap_FinancingReceivableModificationsLineItems_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FinancingReceivableModificationsLineItems_lbl" xml:lang="en-US">Financing Receivable, Troubled Debt Restructuring [Line Items]</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_SummaryOfConcessionAtTimeOfModificationAndRecordedInvestmentAbstract" xlink:label="sfst_SummaryOfConcessionAtTimeOfModificationAndRecordedInvestmentAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_SummaryOfConcessionAtTimeOfModificationAndRecordedInvestmentAbstract" xlink:to="sfst_SummaryOfConcessionAtTimeOfModificationAndRecordedInvestmentAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_SummaryOfConcessionAtTimeOfModificationAndRecordedInvestmentAbstract_lbl" xml:lang="en-US">Summary of concession at the time of modification and the recorded investment in TDRs before and after their modification</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_RenewalsDeemedConcession" xlink:label="sfst_RenewalsDeemedConcession" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_RenewalsDeemedConcession" xlink:to="sfst_RenewalsDeemedConcession_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_RenewalsDeemedConcession_lbl" xml:lang="en-US">Renewals deemed a concession</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_ReducedOrDeferredPayments" xlink:label="sfst_ReducedOrDeferredPayments" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_ReducedOrDeferredPayments" xlink:to="sfst_ReducedOrDeferredPayments_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_ReducedOrDeferredPayments_lbl" xml:lang="en-US">Reduced or deferred payments</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_ConvertedToInterestOnly" xlink:label="sfst_ConvertedToInterestOnly" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_ConvertedToInterestOnly" xlink:to="sfst_ConvertedToInterestOnly_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_ConvertedToInterestOnly_lbl" xml:lang="en-US">Converted to interest only</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_MaturityDateExtensions" xlink:label="sfst_MaturityDateExtensions" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_MaturityDateExtensions" xlink:to="sfst_MaturityDateExtensions_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_MaturityDateExtensions_lbl" xml:lang="en-US">Maturity date extensions</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_FinancingReceivableModificationsNumberOfContracts2" xlink:label="us-gaap_FinancingReceivableModificationsNumberOfContracts2" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableModificationsNumberOfContracts2" xlink:to="us-gaap_FinancingReceivableModificationsNumberOfContracts2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FinancingReceivableModificationsNumberOfContracts2_lbl" xml:lang="en-US">Total number of loans</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_FinancingReceivableModificationsPreModificationRecordedInvestment2" xlink:label="us-gaap_FinancingReceivableModificationsPreModificationRecordedInvestment2" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableModificationsPreModificationRecordedInvestment2" xlink:to="us-gaap_FinancingReceivableModificationsPreModificationRecordedInvestment2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FinancingReceivableModificationsPreModificationRecordedInvestment2_lbl" xml:lang="en-US">Pre-modification outstanding recorded investment</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2" xlink:label="us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2" xlink:to="us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2_lbl" xml:lang="en-US">Post-modification outstanding recorded investment</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_TroubledDebtRestructuringsTextualAbstract" xlink:label="sfst_TroubledDebtRestructuringsTextualAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_TroubledDebtRestructuringsTextualAbstract" xlink:to="sfst_TroubledDebtRestructuringsTextualAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_TroubledDebtRestructuringsTextualAbstract_lbl" xml:lang="en-US">Troubled Debt Restructurings (Textual)</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_AggregateNumberOfLoansClassifiedUnderTroubledDebtRestructurings" xlink:label="sfst_AggregateNumberOfLoansClassifiedUnderTroubledDebtRestructurings" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_AggregateNumberOfLoansClassifiedUnderTroubledDebtRestructurings" xlink:to="sfst_AggregateNumberOfLoansClassifiedUnderTroubledDebtRestructurings_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_AggregateNumberOfLoansClassifiedUnderTroubledDebtRestructurings_lbl" xml:lang="en-US">Total number of loans classified under troubled debt restructurings (TDRs)</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_AggregateSumOfLoansClassifiedAsTroubledDebtRestructurings" xlink:label="sfst_AggregateSumOfLoansClassifiedAsTroubledDebtRestructurings" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_AggregateSumOfLoansClassifiedAsTroubledDebtRestructurings" xlink:to="sfst_AggregateSumOfLoansClassifiedAsTroubledDebtRestructurings_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_AggregateSumOfLoansClassifiedAsTroubledDebtRestructurings_lbl" xml:lang="en-US">Total sum of loans classified as troubled debt restructurings (TDRs)</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_AggregateNumberOfLoansAddedUnderTroubledDebtRestructurings" xlink:label="sfst_AggregateNumberOfLoansAddedUnderTroubledDebtRestructurings" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_AggregateNumberOfLoansAddedUnderTroubledDebtRestructurings" xlink:to="sfst_AggregateNumberOfLoansAddedUnderTroubledDebtRestructurings_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_AggregateNumberOfLoansAddedUnderTroubledDebtRestructurings_lbl" xml:lang="en-US">Total number of loans added under troubled debt restructurings (TDRs)</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_AggregateSumOfLoansAddedAsTroubledDebtRestructurings" xlink:label="sfst_AggregateSumOfLoansAddedAsTroubledDebtRestructurings" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_AggregateSumOfLoansAddedAsTroubledDebtRestructurings" xlink:to="sfst_AggregateSumOfLoansAddedAsTroubledDebtRestructurings_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_AggregateSumOfLoansAddedAsTroubledDebtRestructurings_lbl" xml:lang="en-US">Total sum of loans added as troubled debt restructurings (TDRs)</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_AggregateNumberOfLoansRemovedUnderTroubledDebtRestructurings" xlink:label="sfst_AggregateNumberOfLoansRemovedUnderTroubledDebtRestructurings" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_AggregateNumberOfLoansRemovedUnderTroubledDebtRestructurings" xlink:to="sfst_AggregateNumberOfLoansRemovedUnderTroubledDebtRestructurings_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_AggregateNumberOfLoansRemovedUnderTroubledDebtRestructurings_lbl" xml:lang="en-US">Total number of loans removed under TDR</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_RestoredNonaccrualLoans" xlink:label="sfst_RestoredNonaccrualLoans" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_RestoredNonaccrualLoans" xlink:to="sfst_RestoredNonaccrualLoans_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_RestoredNonaccrualLoans_lbl" xml:lang="en-US">Total number of nonaccrual loans restored</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_NumberOfMonthPaymentDefaulted" xlink:label="sfst_NumberOfMonthPaymentDefaulted" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_NumberOfMonthPaymentDefaulted" xlink:to="sfst_NumberOfMonthPaymentDefaulted_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_NumberOfMonthPaymentDefaulted_lbl" xml:lang="en-US">Number of months previous loan payment defaulted</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ScheduleOfPropertyPlantAndEquipmentTable" xlink:label="us-gaap_ScheduleOfPropertyPlantAndEquipmentTable" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfPropertyPlantAndEquipmentTable" xlink:to="us-gaap_ScheduleOfPropertyPlantAndEquipmentTable_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ScheduleOfPropertyPlantAndEquipmentTable_lbl" xml:lang="en-US">Property, Plant and Equipment [Table]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_PropertyPlantAndEquipmentLineItems" xlink:label="us-gaap_PropertyPlantAndEquipmentLineItems" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PropertyPlantAndEquipmentLineItems" xlink:to="us-gaap_PropertyPlantAndEquipmentLineItems_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PropertyPlantAndEquipmentLineItems_lbl" xml:lang="en-US">Property, Plant and Equipment [Line Items]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_PropertyPlantAndEquipmentNetByTypeAbstract" xlink:label="us-gaap_PropertyPlantAndEquipmentNetByTypeAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PropertyPlantAndEquipmentNetByTypeAbstract" xlink:to="us-gaap_PropertyPlantAndEquipmentNetByTypeAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_PropertyPlantAndEquipmentNetByTypeAbstract_lbl" xml:lang="en-US">Components of property and equipment</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment" xlink:label="us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment" xlink:to="us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment_lbl" xml:lang="en-US">Accumulated depreciation and amortization</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_PropertyPlantAndEquipmentGross" xlink:label="us-gaap_PropertyPlantAndEquipmentGross" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PropertyPlantAndEquipmentGross" xlink:to="us-gaap_PropertyPlantAndEquipmentGross_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PropertyPlantAndEquipmentGross_lbl" xml:lang="en-US">Property and equipment, excluding ROU assets</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_OperatingLeaseRightOfUseAsset" xlink:label="us-gaap_OperatingLeaseRightOfUseAsset" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OperatingLeaseRightOfUseAsset" xlink:to="us-gaap_OperatingLeaseRightOfUseAsset_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OperatingLeaseRightOfUseAsset_lbl" xml:lang="en-US">ROU assets</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PropertyPlantAndEquipmentNet" xlink:to="us-gaap_PropertyPlantAndEquipmentNet_2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_PropertyPlantAndEquipmentNet_2_lbl" xml:lang="en-US">Total property and equipment</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="srt_RangeAxis" xlink:to="srt_RangeAxis_2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="srt_RangeAxis_2_lbl" xml:lang="en-US">Statistical Measurement [Axis]</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_ScheduleOfEstimatedUsefulLivesOfPropertyPlantAndEquipmentAbstract" xlink:label="sfst_ScheduleOfEstimatedUsefulLivesOfPropertyPlantAndEquipmentAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_ScheduleOfEstimatedUsefulLivesOfPropertyPlantAndEquipmentAbstract" xlink:to="sfst_ScheduleOfEstimatedUsefulLivesOfPropertyPlantAndEquipmentAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_ScheduleOfEstimatedUsefulLivesOfPropertyPlantAndEquipmentAbstract_lbl" xml:lang="en-US">Schedule of estimated useful lives of property plant and equipment</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_PropertyPlantAndEquipmentUsefulLife" xlink:label="us-gaap_PropertyPlantAndEquipmentUsefulLife" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PropertyPlantAndEquipmentUsefulLife" xlink:to="us-gaap_PropertyPlantAndEquipmentUsefulLife_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PropertyPlantAndEquipmentUsefulLife_lbl" xml:lang="en-US">Property and equipment, estimated useful life (in years)</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_PaymentsToAcquireOtherPropertyPlantAndEquipment" xlink:label="us-gaap_PaymentsToAcquireOtherPropertyPlantAndEquipment" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsToAcquireOtherPropertyPlantAndEquipment" xlink:to="us-gaap_PaymentsToAcquireOtherPropertyPlantAndEquipment_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PaymentsToAcquireOtherPropertyPlantAndEquipment_lbl" xml:lang="en-US">Purchased property</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_DepreciationDepletionAndAmortization" xlink:label="us-gaap_DepreciationDepletionAndAmortization" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DepreciationDepletionAndAmortization" xlink:to="us-gaap_DepreciationDepletionAndAmortization_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DepreciationDepletionAndAmortization_lbl" xml:lang="en-US">Depreciation and amortization expense</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent" xlink:label="us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent" xlink:to="us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent_lbl" xml:lang="en-US">Year one</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears" xlink:label="us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears" xlink:to="us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears_lbl" xml:lang="en-US">Year two</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears" xlink:label="us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears" xlink:to="us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears_lbl" xml:lang="en-US">Year three</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears" xlink:label="us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears" xlink:to="us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears_lbl" xml:lang="en-US">Year four</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFiveYears" xlink:label="us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFiveYears" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFiveYears" xlink:to="us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFiveYears_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFiveYears_lbl" xml:lang="en-US">Year five</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueThereafter" xlink:label="us-gaap_OperatingLeasesFutureMinimumPaymentsDueThereafter" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OperatingLeasesFutureMinimumPaymentsDueThereafter" xlink:to="us-gaap_OperatingLeasesFutureMinimumPaymentsDueThereafter_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OperatingLeasesFutureMinimumPaymentsDueThereafter_lbl" xml:lang="en-US">Thereafter</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDue" xlink:label="us-gaap_OperatingLeasesFutureMinimumPaymentsDue" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OperatingLeasesFutureMinimumPaymentsDue" xlink:to="us-gaap_OperatingLeasesFutureMinimumPaymentsDue_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_OperatingLeasesFutureMinimumPaymentsDue_lbl" xml:lang="en-US">Total undiscounted lease payments</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_DiscountEffectOfCashFlows" xlink:label="sfst_DiscountEffectOfCashFlows" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_DiscountEffectOfCashFlows" xlink:to="sfst_DiscountEffectOfCashFlows_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="sfst_DiscountEffectOfCashFlows_lbl" xml:lang="en-US">Discount effect of cash flows</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_OperatingLeaseLiability" xlink:label="us-gaap_OperatingLeaseLiability" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OperatingLeaseLiability" xlink:to="us-gaap_OperatingLeaseLiability_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_OperatingLeaseLiability_lbl" xml:lang="en-US">Total lease liability</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_OperatingLeaseWeightedAverageRemainingLeaseTerm1" xlink:label="us-gaap_OperatingLeaseWeightedAverageRemainingLeaseTerm1" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OperatingLeaseWeightedAverageRemainingLeaseTerm1" xlink:to="us-gaap_OperatingLeaseWeightedAverageRemainingLeaseTerm1_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OperatingLeaseWeightedAverageRemainingLeaseTerm1_lbl" xml:lang="en-US">Weighted average remaining life</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_OperatingLeaseWeightedAverageDiscountRatePercent" xlink:label="us-gaap_OperatingLeaseWeightedAverageDiscountRatePercent" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OperatingLeaseWeightedAverageDiscountRatePercent" xlink:to="us-gaap_OperatingLeaseWeightedAverageDiscountRatePercent_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OperatingLeaseWeightedAverageDiscountRatePercent_lbl" xml:lang="en-US">Weighted average discount rate</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_OperatingLeaseCost" xlink:label="us-gaap_OperatingLeaseCost" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OperatingLeaseCost" xlink:to="us-gaap_OperatingLeaseCost_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OperatingLeaseCost_lbl" xml:lang="en-US">Operating lease costs</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OperatingLeaseRightOfUseAsset" xlink:to="us-gaap_OperatingLeaseRightOfUseAsset_2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_OperatingLeaseRightOfUseAsset_2_lbl" xml:lang="en-US">Operating lease, right-of-use asset</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OperatingLeaseLiability" xlink:to="us-gaap_OperatingLeaseLiability_2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OperatingLeaseLiability_2_lbl" xml:lang="en-US">Lease liabilities</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_OtherRealEstateRollForward" xlink:label="us-gaap_OtherRealEstateRollForward" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherRealEstateRollForward" xlink:to="us-gaap_OtherRealEstateRollForward_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_OtherRealEstateRollForward_lbl" xml:lang="en-US">Summary of activity of real estate acquired in settlement of loans portion of other real estate owned</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherRealEstate" xlink:to="us-gaap_OtherRealEstate_2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="us-gaap_OtherRealEstate_2_lbl" xml:lang="en-US">Balance, beginning of year</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_OtherRealEstateAdditions" xlink:label="us-gaap_OtherRealEstateAdditions" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherRealEstateAdditions" xlink:to="us-gaap_OtherRealEstateAdditions_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OtherRealEstateAdditions_lbl" xml:lang="en-US">Additions</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_OtherRealEstateDisposals" xlink:label="us-gaap_OtherRealEstateDisposals" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherRealEstateDisposals" xlink:to="us-gaap_OtherRealEstateDisposals_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_OtherRealEstateDisposals_lbl" xml:lang="en-US">Sales</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_OtherRealEstateWriteDowns" xlink:label="sfst_OtherRealEstateWriteDowns" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_OtherRealEstateWriteDowns" xlink:to="sfst_OtherRealEstateWriteDowns_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_OtherRealEstateWriteDowns_lbl" xml:lang="en-US">Write-downs, net</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherRealEstate" xlink:to="us-gaap_OtherRealEstate_3_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="us-gaap_OtherRealEstate_3_lbl" xml:lang="en-US">Balance, end of year</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_RealEstateAcquiredThroughForeclosure" xlink:label="us-gaap_RealEstateAcquiredThroughForeclosure" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RealEstateAcquiredThroughForeclosure" xlink:to="us-gaap_RealEstateAcquiredThroughForeclosure_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_RealEstateAcquiredThroughForeclosure_lbl" xml:lang="en-US">Real estate acquired in settlement loans</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_NoninterestBearingDepositLiabilities" xlink:label="us-gaap_NoninterestBearingDepositLiabilities" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NoninterestBearingDepositLiabilities" xlink:to="us-gaap_NoninterestBearingDepositLiabilities_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NoninterestBearingDepositLiabilities_lbl" xml:lang="en-US">Noninterest bearing</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_InterestBearingDepositLiabilitiesByComponentAbstract" xlink:label="us-gaap_InterestBearingDepositLiabilitiesByComponentAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestBearingDepositLiabilitiesByComponentAbstract" xlink:to="us-gaap_InterestBearingDepositLiabilitiesByComponentAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InterestBearingDepositLiabilitiesByComponentAbstract_lbl" xml:lang="en-US">Interest bearing:</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_InterestBearingDomesticDepositNegotiableOrderOfWithdrawalNOW" xlink:label="us-gaap_InterestBearingDomesticDepositNegotiableOrderOfWithdrawalNOW" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestBearingDomesticDepositNegotiableOrderOfWithdrawalNOW" xlink:to="us-gaap_InterestBearingDomesticDepositNegotiableOrderOfWithdrawalNOW_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InterestBearingDomesticDepositNegotiableOrderOfWithdrawalNOW_lbl" xml:lang="en-US">NOW accounts</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_InterestBearingDomesticDepositMoneyMarket" xlink:label="us-gaap_InterestBearingDomesticDepositMoneyMarket" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestBearingDomesticDepositMoneyMarket" xlink:to="us-gaap_InterestBearingDomesticDepositMoneyMarket_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InterestBearingDomesticDepositMoneyMarket_lbl" xml:lang="en-US">Money market accounts</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_InterestBearingDomesticDepositSavings" xlink:label="us-gaap_InterestBearingDomesticDepositSavings" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestBearingDomesticDepositSavings" xlink:to="us-gaap_InterestBearingDomesticDepositSavings_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InterestBearingDomesticDepositSavings_lbl" xml:lang="en-US">Savings</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_TimeDepositsLessThan100000" xlink:label="us-gaap_TimeDepositsLessThan100000" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TimeDepositsLessThan100000" xlink:to="us-gaap_TimeDepositsLessThan100000_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TimeDepositsLessThan100000_lbl" xml:lang="en-US">Time, less than $100,000</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_TimeDeposit100000OrMoreDomestic" xlink:label="sfst_TimeDeposit100000OrMoreDomestic" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_TimeDeposit100000OrMoreDomestic" xlink:to="sfst_TimeDeposit100000OrMoreDomestic_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_TimeDeposit100000OrMoreDomestic_lbl" xml:lang="en-US">Time, $100,000 and over</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_Deposits" xlink:to="us-gaap_Deposits_2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_Deposits_2_lbl" xml:lang="en-US">Total deposits</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_DepositTable" xlink:label="sfst_DepositTable" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_DepositTable" xlink:to="sfst_DepositTable_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_DepositTable_lbl" xml:lang="en-US">Deposit [Table]</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_DepositLineItems" xlink:label="sfst_DepositLineItems" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_DepositLineItems" xlink:to="sfst_DepositLineItems_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_DepositLineItems_lbl" xml:lang="en-US">Deposit [Line Items]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_TimeDepositsByMaturityAbstract" xlink:label="us-gaap_TimeDepositsByMaturityAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TimeDepositsByMaturityAbstract" xlink:to="us-gaap_TimeDepositsByMaturityAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_TimeDepositsByMaturityAbstract_lbl" xml:lang="en-US">Scheduled maturities of certificates of deposit</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_TimeDepositMaturitiesYearOne" xlink:label="us-gaap_TimeDepositMaturitiesYearOne" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TimeDepositMaturitiesYearOne" xlink:to="us-gaap_TimeDepositMaturitiesYearOne_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TimeDepositMaturitiesYearOne_lbl" xml:lang="en-US">2020</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_TimeDepositMaturitiesYearTwo" xlink:label="us-gaap_TimeDepositMaturitiesYearTwo" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TimeDepositMaturitiesYearTwo" xlink:to="us-gaap_TimeDepositMaturitiesYearTwo_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TimeDepositMaturitiesYearTwo_lbl" xml:lang="en-US">2021</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_TimeDepositMaturitiesYearThree" xlink:label="us-gaap_TimeDepositMaturitiesYearThree" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TimeDepositMaturitiesYearThree" xlink:to="us-gaap_TimeDepositMaturitiesYearThree_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TimeDepositMaturitiesYearThree_lbl" xml:lang="en-US">2022</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_TimeDepositMaturitiesYearFour" xlink:label="us-gaap_TimeDepositMaturitiesYearFour" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TimeDepositMaturitiesYearFour" xlink:to="us-gaap_TimeDepositMaturitiesYearFour_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TimeDepositMaturitiesYearFour_lbl" xml:lang="en-US">2023</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_TimeDepositMaturitiesYearFiveAndAfterYearFive" xlink:label="sfst_TimeDepositMaturitiesYearFiveAndAfterYearFive" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_TimeDepositMaturitiesYearFiveAndAfterYearFive" xlink:to="sfst_TimeDepositMaturitiesYearFiveAndAfterYearFive_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_TimeDepositMaturitiesYearFiveAndAfterYearFive_lbl" xml:lang="en-US">2024 and after</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_TimeDeposits" xlink:label="us-gaap_TimeDeposits" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TimeDeposits" xlink:to="us-gaap_TimeDeposits_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_TimeDeposits_lbl" xml:lang="en-US">Certificates of deposit</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_TimeDeposits100000OrMore" xlink:label="us-gaap_TimeDeposits100000OrMore" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TimeDeposits100000OrMore" xlink:to="us-gaap_TimeDeposits100000OrMore_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TimeDeposits100000OrMore_lbl" xml:lang="en-US">Time deposits greater $250,000</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_TimeDepositsObtainedOutsideOfPrimaryMarket" xlink:label="sfst_TimeDepositsObtainedOutsideOfPrimaryMarket" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_TimeDepositsObtainedOutsideOfPrimaryMarket" xlink:to="sfst_TimeDepositsObtainedOutsideOfPrimaryMarket_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_TimeDepositsObtainedOutsideOfPrimaryMarket_lbl" xml:lang="en-US">Time deposits obtained outside of primary market</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_InterestExpenseTimeDeposits100000OrMore" xlink:label="us-gaap_InterestExpenseTimeDeposits100000OrMore" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestExpenseTimeDeposits100000OrMore" xlink:to="us-gaap_InterestExpenseTimeDeposits100000OrMore_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InterestExpenseTimeDeposits100000OrMore_lbl" xml:lang="en-US">Interest expense on time deposits greater than $100,000</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTable" xlink:label="us-gaap_ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTable" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTable" xlink:to="us-gaap_ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTable_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTable_lbl" xml:lang="en-US">Schedule of Federal Home Loan Bank Advances, by Branch of FHLB Bank [Table]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankLineItems" xlink:label="us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankLineItems" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankLineItems" xlink:to="us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankLineItems_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankLineItems_lbl" xml:lang="en-US">Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShortTermDebtTypeAxis" xlink:to="us-gaap_ShortTermDebtTypeAxis_2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_ShortTermDebtTypeAxis_2_lbl" xml:lang="en-US">Short-term Debt, Type [Axis]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_AdvancesFromFederalHomeLoanBanksAbstract" xlink:label="us-gaap_AdvancesFromFederalHomeLoanBanksAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AdvancesFromFederalHomeLoanBanksAbstract" xlink:to="us-gaap_AdvancesFromFederalHomeLoanBanksAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AdvancesFromFederalHomeLoanBanksAbstract_lbl" xml:lang="en-US">Summary of the terms and maturities of advances of FHLB</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_FederalHomeLoanBankAdvancesMaturityDate" xlink:label="sfst_FederalHomeLoanBankAdvancesMaturityDate" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_FederalHomeLoanBankAdvancesMaturityDate" xlink:to="sfst_FederalHomeLoanBankAdvancesMaturityDate_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_FederalHomeLoanBankAdvancesMaturityDate_lbl" xml:lang="en-US">Maturity</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_AdvancesFromFederalHomeLoanBanks" xlink:label="us-gaap_AdvancesFromFederalHomeLoanBanks" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AdvancesFromFederalHomeLoanBanks" xlink:to="us-gaap_AdvancesFromFederalHomeLoanBanks_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AdvancesFromFederalHomeLoanBanks_lbl" xml:lang="en-US">Amount</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankInterestRate" xlink:label="us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankInterestRate" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankInterestRate" xlink:to="us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankInterestRate_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankInterestRate_lbl" xml:lang="en-US">Rate</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_DebtInstrumentTable" xlink:label="us-gaap_DebtInstrumentTable" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DebtInstrumentTable" xlink:to="us-gaap_DebtInstrumentTable_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DebtInstrumentTable_lbl" xml:lang="en-US">Schedule of Long-term Debt Instruments [Table]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_DebtInstrumentLineItems" xlink:label="us-gaap_DebtInstrumentLineItems" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DebtInstrumentLineItems" xlink:to="us-gaap_DebtInstrumentLineItems_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DebtInstrumentLineItems_lbl" xml:lang="en-US">Debt Instrument [Line Items]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_DerivativeInstrumentRiskAxis" xlink:label="us-gaap_DerivativeInstrumentRiskAxis" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DerivativeInstrumentRiskAxis" xlink:to="us-gaap_DerivativeInstrumentRiskAxis_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DerivativeInstrumentRiskAxis_lbl" xml:lang="en-US">Derivative Instrument [Axis]</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_FederalHomeLoanBankAdvancesAndOtherBorrowingsTextualAbstract" xlink:label="sfst_FederalHomeLoanBankAdvancesAndOtherBorrowingsTextualAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_FederalHomeLoanBankAdvancesAndOtherBorrowingsTextualAbstract" xlink:to="sfst_FederalHomeLoanBankAdvancesAndOtherBorrowingsTextualAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_FederalHomeLoanBankAdvancesAndOtherBorrowingsTextualAbstract_lbl" xml:lang="en-US">Federal Home Loan Bank Advances and Other Borrowings (Textual)</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AdvancesFromFederalHomeLoanBanks" xlink:to="us-gaap_AdvancesFromFederalHomeLoanBanks_2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_AdvancesFromFederalHomeLoanBanks_2_lbl" xml:lang="en-US">FHLB advances</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_MortgageLoanPledgedAsCollateralForAdvancesFromFhlb" xlink:to="sfst_MortgageLoanPledgedAsCollateralForAdvancesFromFhlb_2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="sfst_MortgageLoanPledgedAsCollateralForAdvancesFromFhlb_2_lbl" xml:lang="en-US">FHLB advances are secured mortgage loans</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_FederalHomeLoanBankStock" xlink:label="us-gaap_FederalHomeLoanBankStock" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FederalHomeLoanBankStock" xlink:to="us-gaap_FederalHomeLoanBankStock_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FederalHomeLoanBankStock_lbl" xml:lang="en-US">FHLB stock</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_LineOfCreditFacilityFairValueOfAmountOutstanding" xlink:label="us-gaap_LineOfCreditFacilityFairValueOfAmountOutstanding" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LineOfCreditFacilityFairValueOfAmountOutstanding" xlink:to="us-gaap_LineOfCreditFacilityFairValueOfAmountOutstanding_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LineOfCreditFacilityFairValueOfAmountOutstanding_lbl" xml:lang="en-US">Interest only line of credit</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_LineOfCreditFacilityInterestRateAtPeriodEnd" xlink:label="us-gaap_LineOfCreditFacilityInterestRateAtPeriodEnd" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LineOfCreditFacilityInterestRateAtPeriodEnd" xlink:to="us-gaap_LineOfCreditFacilityInterestRateAtPeriodEnd_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LineOfCreditFacilityInterestRateAtPeriodEnd_lbl" xml:lang="en-US">Line of credit, interest rate</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_LineOfCreditFacilityInterestRateDescription" xlink:label="us-gaap_LineOfCreditFacilityInterestRateDescription" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LineOfCreditFacilityInterestRateDescription" xlink:to="us-gaap_LineOfCreditFacilityInterestRateDescription_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LineOfCreditFacilityInterestRateDescription_lbl" xml:lang="en-US">Line of credit facility, Interest rate description</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_LineOfCreditFacilityExpirationDate1" xlink:label="us-gaap_LineOfCreditFacilityExpirationDate1" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LineOfCreditFacilityExpirationDate1" xlink:to="us-gaap_LineOfCreditFacilityExpirationDate1_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LineOfCreditFacilityExpirationDate1_lbl" xml:lang="en-US">Line of credit facility, maturity date</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_PaymentsForFederalHomeLoanBankAdvances" xlink:label="us-gaap_PaymentsForFederalHomeLoanBankAdvances" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsForFederalHomeLoanBankAdvances" xlink:to="us-gaap_PaymentsForFederalHomeLoanBankAdvances_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PaymentsForFederalHomeLoanBankAdvances_lbl" xml:lang="en-US">Repayment of advance loan</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_PrepaymentFeesOnAdvancesNet" xlink:label="us-gaap_PrepaymentFeesOnAdvancesNet" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PrepaymentFeesOnAdvancesNet" xlink:to="us-gaap_PrepaymentFeesOnAdvancesNet_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PrepaymentFeesOnAdvancesNet_lbl" xml:lang="en-US">Prepayment fees on advances net</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresInterestRateAtPeriodEnd" xlink:label="us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresInterestRateAtPeriodEnd" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresInterestRateAtPeriodEnd" xlink:to="us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresInterestRateAtPeriodEnd_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresInterestRateAtPeriodEnd_lbl" xml:lang="en-US">Percentage of average cost of advances</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_SubordinatedDebenturesTextualAbstract" xlink:label="sfst_SubordinatedDebenturesTextualAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_SubordinatedDebenturesTextualAbstract" xlink:to="sfst_SubordinatedDebenturesTextualAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_SubordinatedDebenturesTextualAbstract_lbl" xml:lang="en-US">Subordinated Debentures (Textual)</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_TrustPreferredSecuritiesIssuedAtFloatingRate" xlink:label="sfst_TrustPreferredSecuritiesIssuedAtFloatingRate" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_TrustPreferredSecuritiesIssuedAtFloatingRate" xlink:to="sfst_TrustPreferredSecuritiesIssuedAtFloatingRate_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_TrustPreferredSecuritiesIssuedAtFloatingRate_lbl" xml:lang="en-US">Amount of trust preferred securities issued at floating rate</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_DebtInstrumentMaturityDate" xlink:label="us-gaap_DebtInstrumentMaturityDate" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DebtInstrumentMaturityDate" xlink:to="us-gaap_DebtInstrumentMaturityDate_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DebtInstrumentMaturityDate_lbl" xml:lang="en-US">Maturity date of trust preferred securities</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_LongTermDebtPercentageBearingVariableInterestRate" xlink:label="us-gaap_LongTermDebtPercentageBearingVariableInterestRate" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LongTermDebtPercentageBearingVariableInterestRate" xlink:to="us-gaap_LongTermDebtPercentageBearingVariableInterestRate_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LongTermDebtPercentageBearingVariableInterestRate_lbl" xml:lang="en-US">Floating interest rate of trust preferred securities</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_PercentageOfLondonInterbankOfferedRate" xlink:label="sfst_PercentageOfLondonInterbankOfferedRate" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_PercentageOfLondonInterbankOfferedRate" xlink:to="sfst_PercentageOfLondonInterbankOfferedRate_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_PercentageOfLondonInterbankOfferedRate_lbl" xml:lang="en-US">LIBOR rate</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_IndexedPeriodOfLondonInterbankOfferedRate" xlink:label="sfst_IndexedPeriodOfLondonInterbankOfferedRate" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_IndexedPeriodOfLondonInterbankOfferedRate" xlink:to="sfst_IndexedPeriodOfLondonInterbankOfferedRate_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_IndexedPeriodOfLondonInterbankOfferedRate_lbl" xml:lang="en-US">Indexed period of LIBOR rate</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ProceedsFromIssuanceOfTrustPreferredSecurities" xlink:label="us-gaap_ProceedsFromIssuanceOfTrustPreferredSecurities" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromIssuanceOfTrustPreferredSecurities" xlink:to="us-gaap_ProceedsFromIssuanceOfTrustPreferredSecurities_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ProceedsFromIssuanceOfTrustPreferredSecurities_lbl" xml:lang="en-US">Proceeds from issuance trust preferred securities</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_InitialProceedsOfPreferredSecuritiesFromCapitalInvestment" xlink:label="sfst_InitialProceedsOfPreferredSecuritiesFromCapitalInvestment" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_InitialProceedsOfPreferredSecuritiesFromCapitalInvestment" xlink:to="sfst_InitialProceedsOfPreferredSecuritiesFromCapitalInvestment_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_InitialProceedsOfPreferredSecuritiesFromCapitalInvestment_lbl" xml:lang="en-US">Initial proceeds from capital investment in trust</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_DescriptionOfWallStreetReformAndConsumerProtectionAct" xlink:label="sfst_DescriptionOfWallStreetReformAndConsumerProtectionAct" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_DescriptionOfWallStreetReformAndConsumerProtectionAct" xlink:to="sfst_DescriptionOfWallStreetReformAndConsumerProtectionAct_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_DescriptionOfWallStreetReformAndConsumerProtectionAct_lbl" xml:lang="en-US">Dodd-Frank Act prohibits, Description</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_DebtInstrumentFaceAmount" xlink:label="us-gaap_DebtInstrumentFaceAmount" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DebtInstrumentFaceAmount" xlink:to="us-gaap_DebtInstrumentFaceAmount_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DebtInstrumentFaceAmount_lbl" xml:lang="en-US">Aggregate principal amount of subordinated notes</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_DebtInstrumentInterestRateDuringPeriod" xlink:label="us-gaap_DebtInstrumentInterestRateDuringPeriod" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DebtInstrumentInterestRateDuringPeriod" xlink:to="us-gaap_DebtInstrumentInterestRateDuringPeriod_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DebtInstrumentInterestRateDuringPeriod_lbl" xml:lang="en-US">Rate of interest of subordinated notes</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ProceedsFromIssuanceOfDebt" xlink:label="us-gaap_ProceedsFromIssuanceOfDebt" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromIssuanceOfDebt" xlink:to="us-gaap_ProceedsFromIssuanceOfDebt_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ProceedsFromIssuanceOfDebt_lbl" xml:lang="en-US">Proceeds from issue of subordinated debts</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_DebtInstrumentTerm" xlink:label="us-gaap_DebtInstrumentTerm" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DebtInstrumentTerm" xlink:to="us-gaap_DebtInstrumentTerm_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DebtInstrumentTerm_lbl" xml:lang="en-US">Term of subordinated notes</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_DerivativeBasisSpreadOnVariableRate" xlink:label="us-gaap_DerivativeBasisSpreadOnVariableRate" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DerivativeBasisSpreadOnVariableRate" xlink:to="us-gaap_DerivativeBasisSpreadOnVariableRate_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DerivativeBasisSpreadOnVariableRate_lbl" xml:lang="en-US">Basis points of interest rate calculation</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity" xlink:label="us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity" xlink:to="us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_lbl" xml:lang="en-US">Lines of credit to purchase federal funds</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_AdditionalBorrowingsUnderFederalHomeLoanBank" xlink:label="sfst_AdditionalBorrowingsUnderFederalHomeLoanBank" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_AdditionalBorrowingsUnderFederalHomeLoanBank" xlink:to="sfst_AdditionalBorrowingsUnderFederalHomeLoanBank_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_AdditionalBorrowingsUnderFederalHomeLoanBank_lbl" xml:lang="en-US">Additional borrowings under FHLB</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ScheduleOfFairValueOffBalanceSheetRisksTable" xlink:label="us-gaap_ScheduleOfFairValueOffBalanceSheetRisksTable" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfFairValueOffBalanceSheetRisksTable" xlink:to="us-gaap_ScheduleOfFairValueOffBalanceSheetRisksTable_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ScheduleOfFairValueOffBalanceSheetRisksTable_lbl" xml:lang="en-US">Schedule of Fair Value, Off-balance Sheet Risks [Table]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems" xlink:label="us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems" xlink:to="us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems_lbl" xml:lang="en-US">Derivative Instruments and Hedging Activities Disclosures [Line Items]</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_DerivativesNotionalAmount" xlink:label="sfst_DerivativesNotionalAmount" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_DerivativesNotionalAmount" xlink:to="sfst_DerivativesNotionalAmount_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_DerivativesNotionalAmount_lbl" xml:lang="en-US">Derivative financial instruments, Notional amount</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_DerivativeAssetsLiabilitiesAtFairValueNet" xlink:label="us-gaap_DerivativeAssetsLiabilitiesAtFairValueNet" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DerivativeAssetsLiabilitiesAtFairValueNet" xlink:to="us-gaap_DerivativeAssetsLiabilitiesAtFairValueNet_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DerivativeAssetsLiabilitiesAtFairValueNet_lbl" xml:lang="en-US">Derivative Asset/(Liability), Fair Value</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_BalanceSheetLocationDescription" xlink:label="sfst_BalanceSheetLocationDescription" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_BalanceSheetLocationDescription" xlink:to="sfst_BalanceSheetLocationDescription_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_BalanceSheetLocationDescription_lbl" xml:lang="en-US">Balance Sheet Location, description</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" xlink:label="us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" xlink:to="us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_lbl" xml:lang="en-US">Fair Value, Recurring and Nonrecurring [Table]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:label="us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:to="us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_lbl" xml:lang="en-US">Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:to="us-gaap_FairValueByFairValueHierarchyLevelAxis_2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_FairValueByFairValueHierarchyLevelAxis_2_lbl" xml:lang="en-US">Fair Value Hierarchy and NAV [Axis]</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_FairValueOfAssetsAndLiabilitiesMeasuredOnRecurringBasisAbstract" xlink:label="sfst_FairValueOfAssetsAndLiabilitiesMeasuredOnRecurringBasisAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_FairValueOfAssetsAndLiabilitiesMeasuredOnRecurringBasisAbstract" xlink:to="sfst_FairValueOfAssetsAndLiabilitiesMeasuredOnRecurringBasisAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_FairValueOfAssetsAndLiabilitiesMeasuredOnRecurringBasisAbstract_lbl" xml:lang="en-US">[custom:FairValueOfAssetsAndLiabilitiesMeasuredOnRecurringBasisAbstract]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_AssetsFairValueDisclosureAbstract" xlink:label="us-gaap_AssetsFairValueDisclosureAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AssetsFairValueDisclosureAbstract" xlink:to="us-gaap_AssetsFairValueDisclosureAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AssetsFairValueDisclosureAbstract_lbl" xml:lang="en-US">Assets</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_SecuritiesAvailableForSaleFairValueAbstract" xlink:label="sfst_SecuritiesAvailableForSaleFairValueAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_SecuritiesAvailableForSaleFairValueAbstract" xlink:to="sfst_SecuritiesAvailableForSaleFairValueAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_SecuritiesAvailableForSaleFairValueAbstract_lbl" xml:lang="en-US">Securities available for sale:</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_SecuritiesAvailableForSaleFairValueUsAgencySecurities" xlink:label="sfst_SecuritiesAvailableForSaleFairValueUsAgencySecurities" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_SecuritiesAvailableForSaleFairValueUsAgencySecurities" xlink:to="sfst_SecuritiesAvailableForSaleFairValueUsAgencySecurities_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_SecuritiesAvailableForSaleFairValueUsAgencySecurities_lbl" xml:lang="en-US">US government agencies</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_SecuritiesAvailableForSaleFairValueSbaSecurities" xlink:label="sfst_SecuritiesAvailableForSaleFairValueSbaSecurities" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_SecuritiesAvailableForSaleFairValueSbaSecurities" xlink:to="sfst_SecuritiesAvailableForSaleFairValueSbaSecurities_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_SecuritiesAvailableForSaleFairValueSbaSecurities_lbl" xml:lang="en-US">SBA securities</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_SecuritiesAvailableForSaleFairValueStateAndPoliticalSubdivisions" xlink:label="sfst_SecuritiesAvailableForSaleFairValueStateAndPoliticalSubdivisions" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_SecuritiesAvailableForSaleFairValueStateAndPoliticalSubdivisions" xlink:to="sfst_SecuritiesAvailableForSaleFairValueStateAndPoliticalSubdivisions_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_SecuritiesAvailableForSaleFairValueStateAndPoliticalSubdivisions_lbl" xml:lang="en-US">State and political subdivisions</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_AssetBackedSecurities" xlink:label="sfst_AssetBackedSecurities" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_AssetBackedSecurities" xlink:to="sfst_AssetBackedSecurities_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_AssetBackedSecurities_lbl" xml:lang="en-US">Asset-backed securities</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_MortgageBackedSecuritiesAvailableForSaleFairValueDisclosure" xlink:label="us-gaap_MortgageBackedSecuritiesAvailableForSaleFairValueDisclosure" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_MortgageBackedSecuritiesAvailableForSaleFairValueDisclosure" xlink:to="us-gaap_MortgageBackedSecuritiesAvailableForSaleFairValueDisclosure_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_MortgageBackedSecuritiesAvailableForSaleFairValueDisclosure_lbl" xml:lang="en-US">Mortgage-backed securities</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_LoansHeldForSaleFairValueDisclosure" xlink:label="us-gaap_LoansHeldForSaleFairValueDisclosure" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LoansHeldForSaleFairValueDisclosure" xlink:to="us-gaap_LoansHeldForSaleFairValueDisclosure_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_LoansHeldForSaleFairValueDisclosure_lbl" xml:lang="en-US">Mortgage loans held for sale</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DerivativeAssetsLiabilitiesAtFairValueNet" xlink:to="us-gaap_DerivativeAssetsLiabilitiesAtFairValueNet_2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_DerivativeAssetsLiabilitiesAtFairValueNet_2_lbl" xml:lang="en-US">Mortgage loan interest rate lock commitments</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_AssetsFairValueDisclosure" xlink:label="us-gaap_AssetsFairValueDisclosure" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AssetsFairValueDisclosure" xlink:to="us-gaap_AssetsFairValueDisclosure_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AssetsFairValueDisclosure_lbl" xml:lang="en-US">Total assets measured at fair value on a recurring basis</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_LiabilitiesFairValueDisclosureAbstract" xlink:label="us-gaap_LiabilitiesFairValueDisclosureAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LiabilitiesFairValueDisclosureAbstract" xlink:to="us-gaap_LiabilitiesFairValueDisclosureAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LiabilitiesFairValueDisclosureAbstract_lbl" xml:lang="en-US">Liabilities</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_FinancialInstrumentsSoldNotYetPurchasedAtFairValue" xlink:label="us-gaap_FinancialInstrumentsSoldNotYetPurchasedAtFairValue" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancialInstrumentsSoldNotYetPurchasedAtFairValue" xlink:to="us-gaap_FinancialInstrumentsSoldNotYetPurchasedAtFairValue_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FinancialInstrumentsSoldNotYetPurchasedAtFairValue_lbl" xml:lang="en-US">MBS forward sales commitments</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_LiabilitiesFairValueDisclosure" xlink:label="us-gaap_LiabilitiesFairValueDisclosure" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LiabilitiesFairValueDisclosure" xlink:to="us-gaap_LiabilitiesFairValueDisclosure_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LiabilitiesFairValueDisclosure_lbl" xml:lang="en-US">Total liabilities measured at fair value on a recurring basis</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_FairValueAssetsAndLiabilitiesMeasuredOnNonRecurringBasisAbstract" xlink:label="sfst_FairValueAssetsAndLiabilitiesMeasuredOnNonRecurringBasisAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_FairValueAssetsAndLiabilitiesMeasuredOnNonRecurringBasisAbstract" xlink:to="sfst_FairValueAssetsAndLiabilitiesMeasuredOnNonRecurringBasisAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_FairValueAssetsAndLiabilitiesMeasuredOnNonRecurringBasisAbstract_lbl" xml:lang="en-US">Schedule of assets and liabilities measured on a nonrecurring basis</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_ImpairedLoansFairValue" xlink:label="sfst_ImpairedLoansFairValue" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_ImpairedLoansFairValue" xlink:to="sfst_ImpairedLoansFairValue_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="sfst_ImpairedLoansFairValue_lbl" xml:lang="en-US">Impaired loans</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_OtherRealEstateOwned" xlink:label="sfst_OtherRealEstateOwned" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_OtherRealEstateOwned" xlink:to="sfst_OtherRealEstateOwned_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="sfst_OtherRealEstateOwned_lbl" xml:lang="en-US">Other real estate owned</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AssetsFairValueDisclosure" xlink:to="us-gaap_AssetsFairValueDisclosure_2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_AssetsFairValueDisclosure_2_lbl" xml:lang="en-US">Total assets measured at fair value on a nonrecurring basis</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable" xlink:label="us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable" xlink:to="us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_lbl" xml:lang="en-US">Fair Value Measurement Inputs and Valuation Techniques [Table]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems" xlink:label="us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems" xlink:to="us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_lbl" xml:lang="en-US">Fair Value Measurement Inputs and Valuation Techniques [Line Items]</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_FairValueMeasurementsRecurringAndNonrecurringValuationTechniquesAbstract" xlink:label="sfst_FairValueMeasurementsRecurringAndNonrecurringValuationTechniquesAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_FairValueMeasurementsRecurringAndNonrecurringValuationTechniquesAbstract" xlink:to="sfst_FairValueMeasurementsRecurringAndNonrecurringValuationTechniquesAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="sfst_FairValueMeasurementsRecurringAndNonrecurringValuationTechniquesAbstract_lbl" xml:lang="en-US">Schedule of unobservable inputs used in the fair value measurements</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_FairValueOfMeasurementsValuationTechniques" xlink:label="sfst_FairValueOfMeasurementsValuationTechniques" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_FairValueOfMeasurementsValuationTechniques" xlink:to="sfst_FairValueOfMeasurementsValuationTechniques_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_FairValueOfMeasurementsValuationTechniques_lbl" xml:lang="en-US">Valuation Technique</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_FairValueOfMeasurementsSignificantAssumptions" xlink:label="sfst_FairValueOfMeasurementsSignificantAssumptions" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_FairValueOfMeasurementsSignificantAssumptions" xlink:to="sfst_FairValueOfMeasurementsSignificantAssumptions_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_FairValueOfMeasurementsSignificantAssumptions_lbl" xml:lang="en-US">Significant Unobservable Inputs</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_FairValueAssumptionsRangeOfInputs" xlink:label="sfst_FairValueAssumptionsRangeOfInputs" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_FairValueAssumptionsRangeOfInputs" xlink:to="sfst_FairValueAssumptionsRangeOfInputs_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_FairValueAssumptionsRangeOfInputs_lbl" xml:lang="en-US">Range of Inputs</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_FairValueByBalanceSheetGroupingTable" xlink:label="us-gaap_FairValueByBalanceSheetGroupingTable" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueByBalanceSheetGroupingTable" xlink:to="us-gaap_FairValueByBalanceSheetGroupingTable_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FairValueByBalanceSheetGroupingTable_lbl" xml:lang="en-US">Fair Value, by Balance Sheet Grouping [Table]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems" xlink:label="us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems" xlink:to="us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_lbl" xml:lang="en-US">Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_FinancialInstrumentsOwnedAtFairValueAbstract" xlink:label="us-gaap_FinancialInstrumentsOwnedAtFairValueAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancialInstrumentsOwnedAtFairValueAbstract" xlink:to="us-gaap_FinancialInstrumentsOwnedAtFairValueAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FinancialInstrumentsOwnedAtFairValueAbstract_lbl" xml:lang="en-US">Financial Instruments, Owned, at Fair Value [Abstract]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract" xlink:label="us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract" xlink:to="us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_lbl" xml:lang="en-US">Financial Assets:</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherInvestments" xlink:to="us-gaap_OtherInvestments_3_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_OtherInvestments_3_lbl" xml:lang="en-US">Other investments, at cost, Carrying Amount</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_NotesReceivableNet" xlink:label="us-gaap_NotesReceivableNet" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NotesReceivableNet" xlink:to="us-gaap_NotesReceivableNet_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NotesReceivableNet_lbl" xml:lang="en-US">Loans, net, Carrying Amount</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_OtherAssetsFairValueDisclosure" xlink:label="us-gaap_OtherAssetsFairValueDisclosure" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherAssetsFairValueDisclosure" xlink:to="us-gaap_OtherAssetsFairValueDisclosure_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OtherAssetsFairValueDisclosure_lbl" xml:lang="en-US">Other investments, at cost, Fair Value</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_LoansReceivableFairValueDisclosure" xlink:label="us-gaap_LoansReceivableFairValueDisclosure" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LoansReceivableFairValueDisclosure" xlink:to="us-gaap_LoansReceivableFairValueDisclosure_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LoansReceivableFairValueDisclosure_lbl" xml:lang="en-US">Loans, net, Fair Value</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract" xlink:label="us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract" xlink:to="us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_lbl" xml:lang="en-US">Financial Liabilities:</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_Deposits" xlink:to="us-gaap_Deposits_3_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_Deposits_3_lbl" xml:lang="en-US">Deposits, Carrying Amount</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_FederalHomeLoanBankAdvances" xlink:label="us-gaap_FederalHomeLoanBankAdvances" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FederalHomeLoanBankAdvances" xlink:to="us-gaap_FederalHomeLoanBankAdvances_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FederalHomeLoanBankAdvances_lbl" xml:lang="en-US">FHLB and other borrowings, Carrying Amount</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_SubordinatedDebt" xlink:label="us-gaap_SubordinatedDebt" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SubordinatedDebt" xlink:to="us-gaap_SubordinatedDebt_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_SubordinatedDebt_lbl" xml:lang="en-US">Subordinated debentures, Carrying Amount</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_DepositsFairValueDisclosure" xlink:label="us-gaap_DepositsFairValueDisclosure" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DepositsFairValueDisclosure" xlink:to="us-gaap_DepositsFairValueDisclosure_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DepositsFairValueDisclosure_lbl" xml:lang="en-US">Deposits, Fair Value</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure" xlink:label="us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure" xlink:to="us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure_lbl" xml:lang="en-US">FHLB and other borrowings, Fair Value</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisSubordinatedDebtObligations" xlink:label="us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisSubordinatedDebtObligations" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisSubordinatedDebtObligations" xlink:to="us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisSubordinatedDebtObligations_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisSubordinatedDebtObligations_lbl" xml:lang="en-US">Junior subordinated debentures, Fair Value</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_PercentageOfLoansCollateralByRealEstate" xlink:label="sfst_PercentageOfLoansCollateralByRealEstate" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_PercentageOfLoansCollateralByRealEstate" xlink:to="sfst_PercentageOfLoansCollateralByRealEstate_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_PercentageOfLoansCollateralByRealEstate_lbl" xml:lang="en-US">Percentage of loans collateralize by real estate</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_ComponentsOfEarningsPerShareAbstract" xlink:label="sfst_ComponentsOfEarningsPerShareAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_ComponentsOfEarningsPerShareAbstract" xlink:to="sfst_ComponentsOfEarningsPerShareAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_ComponentsOfEarningsPerShareAbstract_lbl" xml:lang="en-US">Schedule of earnings per share reconciliation</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_NumeratorOfEarningsPerShareAbstract" xlink:label="sfst_NumeratorOfEarningsPerShareAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_NumeratorOfEarningsPerShareAbstract" xlink:to="sfst_NumeratorOfEarningsPerShareAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_NumeratorOfEarningsPerShareAbstract_lbl" xml:lang="en-US">Numerator:</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic" xlink:label="us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic" xlink:to="us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_lbl" xml:lang="en-US">Net income available to common shareholders</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_DenominatorOfEarningsPerShareAbstract" xlink:label="sfst_DenominatorOfEarningsPerShareAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_DenominatorOfEarningsPerShareAbstract" xlink:to="sfst_DenominatorOfEarningsPerShareAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_DenominatorOfEarningsPerShareAbstract_lbl" xml:lang="en-US">Denominator:</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_WeightedAverageNumberOfSharesOutstandingBasic" xlink:to="us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_2_lbl" xml:lang="en-US">Weighted-average common shares outstanding - basic</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment" xlink:label="us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment" xlink:to="us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment_lbl" xml:lang="en-US">Common stock equivalents</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xlink:to="us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_2_lbl" xml:lang="en-US">Weighted-average common shares outstanding - diluted</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_EarningsPerShareBasicAndDilutedAbstract" xlink:label="us-gaap_EarningsPerShareBasicAndDilutedAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EarningsPerShareBasicAndDilutedAbstract" xlink:to="us-gaap_EarningsPerShareBasicAndDilutedAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_EarningsPerShareBasicAndDilutedAbstract_lbl" xml:lang="en-US">Earnings per common share:</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount" xlink:label="us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount" xlink:to="us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount_lbl" xml:lang="en-US">Antidilutive securities excluded from computation of earnings per share, amount</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_CommitmentsAndContingenciesTable" xlink:label="sfst_CommitmentsAndContingenciesTable" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_CommitmentsAndContingenciesTable" xlink:to="sfst_CommitmentsAndContingenciesTable_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_CommitmentsAndContingenciesTable_lbl" xml:lang="en-US">Commitments and Contingencies [Table]</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_CommitmentsAndContingenciesLineItems" xlink:label="sfst_CommitmentsAndContingenciesLineItems" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_CommitmentsAndContingenciesLineItems" xlink:to="sfst_CommitmentsAndContingenciesLineItems_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_CommitmentsAndContingenciesLineItems_lbl" xml:lang="en-US">Commitments and Contingencies [Line Items]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_UnderlyingAssetClassAxis" xlink:label="us-gaap_UnderlyingAssetClassAxis" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_UnderlyingAssetClassAxis" xlink:to="us-gaap_UnderlyingAssetClassAxis_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_UnderlyingAssetClassAxis_lbl" xml:lang="en-US">Underlying Asset Class [Axis]</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_CommitmentsAndContingenciesTextualAbstract" xlink:label="sfst_CommitmentsAndContingenciesTextualAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_CommitmentsAndContingenciesTextualAbstract" xlink:to="sfst_CommitmentsAndContingenciesTextualAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_CommitmentsAndContingenciesTextualAbstract_lbl" xml:lang="en-US">Commitments and Contingencies (Textual)</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_PeriodOfEmploymentAgreement" xlink:label="sfst_PeriodOfEmploymentAgreement" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_PeriodOfEmploymentAgreement" xlink:to="sfst_PeriodOfEmploymentAgreement_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_PeriodOfEmploymentAgreement_lbl" xml:lang="en-US">Period of employment agreement</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_NumberOfExecutiveOfficers" xlink:label="sfst_NumberOfExecutiveOfficers" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_NumberOfExecutiveOfficers" xlink:to="sfst_NumberOfExecutiveOfficers_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_NumberOfExecutiveOfficers_lbl" xml:lang="en-US">Number of executive officers</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_EmploymentAgreementDescription" xlink:label="sfst_EmploymentAgreementDescription" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_EmploymentAgreementDescription" xlink:to="sfst_EmploymentAgreementDescription_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_EmploymentAgreementDescription_lbl" xml:lang="en-US">Description of employment agreement</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_EstimatedAggregateCommitment" xlink:label="sfst_EstimatedAggregateCommitment" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_EstimatedAggregateCommitment" xlink:to="sfst_EstimatedAggregateCommitment_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_EstimatedAggregateCommitment_lbl" xml:lang="en-US">Estimated aggregate salary commitment</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_AgreementWithDataProcessorExpired" xlink:label="sfst_AgreementWithDataProcessorExpired" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_AgreementWithDataProcessorExpired" xlink:to="sfst_AgreementWithDataProcessorExpired_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_AgreementWithDataProcessorExpired_lbl" xml:lang="en-US">Agreement with data processor expire date</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ComponentsOfIncomeTaxExpenseBenefitContinuingOperationsAbstract" xlink:label="us-gaap_ComponentsOfIncomeTaxExpenseBenefitContinuingOperationsAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ComponentsOfIncomeTaxExpenseBenefitContinuingOperationsAbstract" xlink:to="us-gaap_ComponentsOfIncomeTaxExpenseBenefitContinuingOperationsAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ComponentsOfIncomeTaxExpenseBenefitContinuingOperationsAbstract_lbl" xml:lang="en-US">Components of income tax expense</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_CurrentIncomeTaxExpenseBenefitContinuingOperationsAbstract" xlink:label="us-gaap_CurrentIncomeTaxExpenseBenefitContinuingOperationsAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CurrentIncomeTaxExpenseBenefitContinuingOperationsAbstract" xlink:to="us-gaap_CurrentIncomeTaxExpenseBenefitContinuingOperationsAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CurrentIncomeTaxExpenseBenefitContinuingOperationsAbstract_lbl" xml:lang="en-US">Current income taxes:</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_CurrentFederalTaxExpenseBenefit" xlink:label="us-gaap_CurrentFederalTaxExpenseBenefit" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CurrentFederalTaxExpenseBenefit" xlink:to="us-gaap_CurrentFederalTaxExpenseBenefit_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CurrentFederalTaxExpenseBenefit_lbl" xml:lang="en-US">Federal</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_CurrentStateAndLocalTaxExpenseBenefit" xlink:label="us-gaap_CurrentStateAndLocalTaxExpenseBenefit" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CurrentStateAndLocalTaxExpenseBenefit" xlink:to="us-gaap_CurrentStateAndLocalTaxExpenseBenefit_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CurrentStateAndLocalTaxExpenseBenefit_lbl" xml:lang="en-US">State</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_CurrentIncomeTaxExpenseBenefit" xlink:label="us-gaap_CurrentIncomeTaxExpenseBenefit" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CurrentIncomeTaxExpenseBenefit" xlink:to="us-gaap_CurrentIncomeTaxExpenseBenefit_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_CurrentIncomeTaxExpenseBenefit_lbl" xml:lang="en-US">Total current tax expense</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_DeferredIncomeTaxExpenseBenefit" xlink:label="us-gaap_DeferredIncomeTaxExpenseBenefit" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DeferredIncomeTaxExpenseBenefit" xlink:to="us-gaap_DeferredIncomeTaxExpenseBenefit_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DeferredIncomeTaxExpenseBenefit_lbl" xml:lang="en-US">Deferred income tax expense (benefit)</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncomeTaxExpenseBenefit" xlink:to="us-gaap_IncomeTaxExpenseBenefit_2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_IncomeTaxExpenseBenefit_2_lbl" xml:lang="en-US">Income tax expense</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract" xlink:label="us-gaap_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract" xlink:to="us-gaap_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract_lbl" xml:lang="en-US">Summary of the items that caused recorded income taxes to differ from taxes computed using the statutory tax rate</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate" xlink:label="us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate" xlink:to="us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate_lbl" xml:lang="en-US">Tax expense at statutory rate</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_IncomeTaxReconciliationStateAndLocalIncomeTaxes" xlink:label="us-gaap_IncomeTaxReconciliationStateAndLocalIncomeTaxes" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncomeTaxReconciliationStateAndLocalIncomeTaxes" xlink:to="us-gaap_IncomeTaxReconciliationStateAndLocalIncomeTaxes_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncomeTaxReconciliationStateAndLocalIncomeTaxes_lbl" xml:lang="en-US">Effect of state income taxes, net of federal benefit</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_IncomeTaxReconciliationTaxExemptIncome" xlink:label="us-gaap_IncomeTaxReconciliationTaxExemptIncome" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncomeTaxReconciliationTaxExemptIncome" xlink:to="us-gaap_IncomeTaxReconciliationTaxExemptIncome_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_IncomeTaxReconciliationTaxExemptIncome_lbl" xml:lang="en-US">Exempt income</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_IncomeTaxReconciliationChangeInEnactedTaxRate" xlink:label="us-gaap_IncomeTaxReconciliationChangeInEnactedTaxRate" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncomeTaxReconciliationChangeInEnactedTaxRate" xlink:to="us-gaap_IncomeTaxReconciliationChangeInEnactedTaxRate_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncomeTaxReconciliationChangeInEnactedTaxRate_lbl" xml:lang="en-US">Effect of change in federal tax rate</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitAmount" xlink:label="us-gaap_EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitAmount" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitAmount" xlink:to="us-gaap_EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitAmount_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitAmount_lbl" xml:lang="en-US">Effect of stock-based compensation</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncomeTaxReconciliationOtherAdjustments" xlink:to="us-gaap_IncomeTaxReconciliationOtherAdjustments_2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_IncomeTaxReconciliationOtherAdjustments_2_lbl" xml:lang="en-US">Other</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ComponentsOfDeferredTaxAssetsAndLiabilitiesAbstract" xlink:label="us-gaap_ComponentsOfDeferredTaxAssetsAndLiabilitiesAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ComponentsOfDeferredTaxAssetsAndLiabilitiesAbstract" xlink:to="us-gaap_ComponentsOfDeferredTaxAssetsAndLiabilitiesAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ComponentsOfDeferredTaxAssetsAndLiabilitiesAbstract_lbl" xml:lang="en-US">Components of the deferred tax assets and liabilities</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ComponentsOfDeferredTaxAssetsAbstract" xlink:label="us-gaap_ComponentsOfDeferredTaxAssetsAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ComponentsOfDeferredTaxAssetsAbstract" xlink:to="us-gaap_ComponentsOfDeferredTaxAssetsAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ComponentsOfDeferredTaxAssetsAbstract_lbl" xml:lang="en-US">Deferred tax assets:</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses" xlink:label="us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses" xlink:to="us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses_lbl" xml:lang="en-US">Allowance for loan losses</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_DeferredTaxAssetsUnrealizedLossesOnAvailableforSaleSecuritiesGross" xlink:label="us-gaap_DeferredTaxAssetsUnrealizedLossesOnAvailableforSaleSecuritiesGross" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DeferredTaxAssetsUnrealizedLossesOnAvailableforSaleSecuritiesGross" xlink:to="us-gaap_DeferredTaxAssetsUnrealizedLossesOnAvailableforSaleSecuritiesGross_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DeferredTaxAssetsUnrealizedLossesOnAvailableforSaleSecuritiesGross_lbl" xml:lang="en-US">Unrealized loss on securities available for sale</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_DeferredTaxAssetsNetDeferredLoanFees" xlink:label="sfst_DeferredTaxAssetsNetDeferredLoanFees" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_DeferredTaxAssetsNetDeferredLoanFees" xlink:to="sfst_DeferredTaxAssetsNetDeferredLoanFees_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_DeferredTaxAssetsNetDeferredLoanFees_lbl" xml:lang="en-US">Net deferred loan fees</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefits" xlink:label="us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefits" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefits" xlink:to="us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefits_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefits_lbl" xml:lang="en-US">Deferred compensation</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_DeferredTaxAssetSaleOfRealEstateOwned" xlink:label="sfst_DeferredTaxAssetSaleOfRealEstateOwned" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_DeferredTaxAssetSaleOfRealEstateOwned" xlink:to="sfst_DeferredTaxAssetSaleOfRealEstateOwned_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_DeferredTaxAssetSaleOfRealEstateOwned_lbl" xml:lang="en-US">Sale of real estate owned</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_DeferredTaxAssetsLeaseLiabilities" xlink:label="sfst_DeferredTaxAssetsLeaseLiabilities" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_DeferredTaxAssetsLeaseLiabilities" xlink:to="sfst_DeferredTaxAssetsLeaseLiabilities_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="sfst_DeferredTaxAssetsLeaseLiabilities_lbl" xml:lang="en-US">Lease liabilities</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_DeferredTaxAssetsOther" xlink:label="us-gaap_DeferredTaxAssetsOther" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DeferredTaxAssetsOther" xlink:to="us-gaap_DeferredTaxAssetsOther_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_DeferredTaxAssetsOther_lbl" xml:lang="en-US">Other</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_DeferredTaxAssetsGross" xlink:label="us-gaap_DeferredTaxAssetsGross" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DeferredTaxAssetsGross" xlink:to="us-gaap_DeferredTaxAssetsGross_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_DeferredTaxAssetsGross_lbl" xml:lang="en-US">Deferred tax assets, gross</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ComponentsOfDeferredTaxLiabilitiesAbstract" xlink:label="us-gaap_ComponentsOfDeferredTaxLiabilitiesAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ComponentsOfDeferredTaxLiabilitiesAbstract" xlink:to="us-gaap_ComponentsOfDeferredTaxLiabilitiesAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ComponentsOfDeferredTaxLiabilitiesAbstract_lbl" xml:lang="en-US">Deferred tax liabilities:</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_DeferredTaxLiabilitiesPropertyPlantAndEquipment" xlink:label="us-gaap_DeferredTaxLiabilitiesPropertyPlantAndEquipment" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DeferredTaxLiabilitiesPropertyPlantAndEquipment" xlink:to="us-gaap_DeferredTaxLiabilitiesPropertyPlantAndEquipment_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DeferredTaxLiabilitiesPropertyPlantAndEquipment_lbl" xml:lang="en-US">Property and equipment</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_DeferredTaxLiabilitiesHedgingTransactions" xlink:label="sfst_DeferredTaxLiabilitiesHedgingTransactions" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_DeferredTaxLiabilitiesHedgingTransactions" xlink:to="sfst_DeferredTaxLiabilitiesHedgingTransactions_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_DeferredTaxLiabilitiesHedgingTransactions_lbl" xml:lang="en-US">Hedging transactions</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_DeferredTaxLiabilitiesPrepaidExpenses" xlink:label="us-gaap_DeferredTaxLiabilitiesPrepaidExpenses" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DeferredTaxLiabilitiesPrepaidExpenses" xlink:to="us-gaap_DeferredTaxLiabilitiesPrepaidExpenses_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DeferredTaxLiabilitiesPrepaidExpenses_lbl" xml:lang="en-US">Prepaid expenses</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_DeferredTaxLiabilitiesRightOfUseAssets" xlink:label="sfst_DeferredTaxLiabilitiesRightOfUseAssets" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_DeferredTaxLiabilitiesRightOfUseAssets" xlink:to="sfst_DeferredTaxLiabilitiesRightOfUseAssets_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_DeferredTaxLiabilitiesRightOfUseAssets_lbl" xml:lang="en-US">Right-of-use assets</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_DeferredTaxLiabilitiesOther" xlink:label="us-gaap_DeferredTaxLiabilitiesOther" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DeferredTaxLiabilitiesOther" xlink:to="us-gaap_DeferredTaxLiabilitiesOther_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_DeferredTaxLiabilitiesOther_lbl" xml:lang="en-US">Other</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_DeferredIncomeTaxLiabilities" xlink:label="us-gaap_DeferredIncomeTaxLiabilities" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DeferredIncomeTaxLiabilities" xlink:to="us-gaap_DeferredIncomeTaxLiabilities_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_DeferredIncomeTaxLiabilities_lbl" xml:lang="en-US">Deferred tax liabilities, gross</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DeferredTaxAssetsLiabilitiesNet" xlink:to="us-gaap_DeferredTaxAssetsLiabilitiesNet_2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_DeferredTaxAssetsLiabilitiesNet_2_lbl" xml:lang="en-US">Net deferred tax asset</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncomeTaxReconciliationChangeInEnactedTaxRate" xlink:to="us-gaap_IncomeTaxReconciliationChangeInEnactedTaxRate_2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_IncomeTaxReconciliationChangeInEnactedTaxRate_2_lbl" xml:lang="en-US">Provisional net tax expense</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationChangeInEnactedTaxRate" xlink:label="us-gaap_EffectiveIncomeTaxRateReconciliationChangeInEnactedTaxRate" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EffectiveIncomeTaxRateReconciliationChangeInEnactedTaxRate" xlink:to="us-gaap_EffectiveIncomeTaxRateReconciliationChangeInEnactedTaxRate_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_EffectiveIncomeTaxRateReconciliationChangeInEnactedTaxRate_lbl" xml:lang="en-US">Percentage of federal statutory income tax rate</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable" xlink:label="us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable" xlink:to="us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable_lbl" xml:lang="en-US">Schedule of Related Party Transactions, by Related Party [Table]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_RelatedPartyTransactionLineItems" xlink:label="us-gaap_RelatedPartyTransactionLineItems" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RelatedPartyTransactionLineItems" xlink:to="us-gaap_RelatedPartyTransactionLineItems_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_RelatedPartyTransactionLineItems_lbl" xml:lang="en-US">Related Party Transaction [Line Items]</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_SummaryOfLoanTransactionsAbstract" xlink:label="sfst_SummaryOfLoanTransactionsAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_SummaryOfLoanTransactionsAbstract" xlink:to="sfst_SummaryOfLoanTransactionsAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_SummaryOfLoanTransactionsAbstract_lbl" xml:lang="en-US">Summary of loan transactions with directors, including their affiliates and executive officers</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_LoanTransactionsWithRelatedParty" xlink:label="sfst_LoanTransactionsWithRelatedParty" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_LoanTransactionsWithRelatedParty" xlink:to="sfst_LoanTransactionsWithRelatedParty_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="sfst_LoanTransactionsWithRelatedParty_lbl" xml:lang="en-US">Balance, beginning of year</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_NewLoans" xlink:label="sfst_NewLoans" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_NewLoans" xlink:to="sfst_NewLoans_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_NewLoans_lbl" xml:lang="en-US">New loans</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_LoanPaymentsRelatedParty" xlink:label="sfst_LoanPaymentsRelatedParty" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_LoanPaymentsRelatedParty" xlink:to="sfst_LoanPaymentsRelatedParty_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_LoanPaymentsRelatedParty_lbl" xml:lang="en-US">Less loan payments</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_LoanTransactionsWithRelatedParty" xlink:to="sfst_LoanTransactionsWithRelatedParty_2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="sfst_LoanTransactionsWithRelatedParty_2_lbl" xml:lang="en-US">Balance, end of year</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_RelatedPartyTransactionsTextualAbstract" xlink:label="sfst_RelatedPartyTransactionsTextualAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_RelatedPartyTransactionsTextualAbstract" xlink:to="sfst_RelatedPartyTransactionsTextualAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_RelatedPartyTransactionsTextualAbstract_lbl" xml:lang="en-US">Related Party Transactions (Textual)</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_RelatedPartyDepositLiabilities" xlink:label="us-gaap_RelatedPartyDepositLiabilities" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RelatedPartyDepositLiabilities" xlink:to="us-gaap_RelatedPartyDepositLiabilities_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_RelatedPartyDepositLiabilities_lbl" xml:lang="en-US">Deposits by related parties</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_OperatingLeasesRentExpenseNet" xlink:label="us-gaap_OperatingLeasesRentExpenseNet" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OperatingLeasesRentExpenseNet" xlink:to="us-gaap_OperatingLeasesRentExpenseNet_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OperatingLeasesRentExpenseNet_lbl" xml:lang="en-US">Monthly payments of land lease by Company</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_PropertyManagementServicesExpense" xlink:label="sfst_PropertyManagementServicesExpense" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_PropertyManagementServicesExpense" xlink:to="sfst_PropertyManagementServicesExpense_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_PropertyManagementServicesExpense_lbl" xml:lang="en-US">Property management services expense for Bank</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_PropertyDevelopmentAndAdvisoryFees" xlink:label="sfst_PropertyDevelopmentAndAdvisoryFees" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_PropertyDevelopmentAndAdvisoryFees" xlink:to="sfst_PropertyDevelopmentAndAdvisoryFees_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_PropertyDevelopmentAndAdvisoryFees_lbl" xml:lang="en-US">Property development and advisory fees</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_CostOfGoodsAndServicesSold" xlink:label="us-gaap_CostOfGoodsAndServicesSold" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CostOfGoodsAndServicesSold" xlink:to="us-gaap_CostOfGoodsAndServicesSold_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CostOfGoodsAndServicesSold_lbl" xml:lang="en-US">Payment for employment recruiting services</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_NumberOfOffices" xlink:label="sfst_NumberOfOffices" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_NumberOfOffices" xlink:to="sfst_NumberOfOffices_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_NumberOfOffices_lbl" xml:lang="en-US">Number of offices</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_FairValueOffBalanceSheetRisksDisclosureInformationLineItems" xlink:label="us-gaap_FairValueOffBalanceSheetRisksDisclosureInformationLineItems" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueOffBalanceSheetRisksDisclosureInformationLineItems" xlink:to="us-gaap_FairValueOffBalanceSheetRisksDisclosureInformationLineItems_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FairValueOffBalanceSheetRisksDisclosureInformationLineItems_lbl" xml:lang="en-US">Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_FinancialInstrumentsWithOffBalanceSheetRiskTextualAbstract" xlink:label="sfst_FinancialInstrumentsWithOffBalanceSheetRiskTextualAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_FinancialInstrumentsWithOffBalanceSheetRiskTextualAbstract" xlink:to="sfst_FinancialInstrumentsWithOffBalanceSheetRiskTextualAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_FinancialInstrumentsWithOffBalanceSheetRiskTextualAbstract_lbl" xml:lang="en-US">Financial instruments with off-balance sheet risk (Textual)</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_UnfundedCommitmentsToExtendCredit" xlink:label="sfst_UnfundedCommitmentsToExtendCredit" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_UnfundedCommitmentsToExtendCredit" xlink:to="sfst_UnfundedCommitmentsToExtendCredit_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_UnfundedCommitmentsToExtendCredit_lbl" xml:lang="en-US">Amount of unfunded commitments to extend credit</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_UnfundedCommitmentsToExtendCreditAtFixedRate" xlink:label="sfst_UnfundedCommitmentsToExtendCreditAtFixedRate" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_UnfundedCommitmentsToExtendCreditAtFixedRate" xlink:to="sfst_UnfundedCommitmentsToExtendCreditAtFixedRate_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_UnfundedCommitmentsToExtendCreditAtFixedRate_lbl" xml:lang="en-US">Unfunded commitments to extend credit at fixed rate</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_UnfundedCommitmentsToExtendCreditAtVariableRate" xlink:label="sfst_UnfundedCommitmentsToExtendCreditAtVariableRate" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_UnfundedCommitmentsToExtendCreditAtVariableRate" xlink:to="sfst_UnfundedCommitmentsToExtendCreditAtVariableRate_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_UnfundedCommitmentsToExtendCreditAtVariableRate_lbl" xml:lang="en-US">Unfunded commitments to extend credit at variable rate</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_CommitmentUnderLettersOfCredit" xlink:label="sfst_CommitmentUnderLettersOfCredit" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_CommitmentUnderLettersOfCredit" xlink:to="sfst_CommitmentUnderLettersOfCredit_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_CommitmentUnderLettersOfCredit_lbl" xml:lang="en-US">Commitment under letters of credit</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable" xlink:label="us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable" xlink:to="us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable_lbl" xml:lang="en-US">Schedule of Defined Benefit Plans Disclosures [Table]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_DefinedBenefitPlanDisclosureLineItems" xlink:label="us-gaap_DefinedBenefitPlanDisclosureLineItems" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DefinedBenefitPlanDisclosureLineItems" xlink:to="us-gaap_DefinedBenefitPlanDisclosureLineItems_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DefinedBenefitPlanDisclosureLineItems_lbl" xml:lang="en-US">Defined Benefit Plan Disclosure [Line Items]</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_EmployeeBenefitPlanTextualAbstract" xlink:label="sfst_EmployeeBenefitPlanTextualAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_EmployeeBenefitPlanTextualAbstract" xlink:to="sfst_EmployeeBenefitPlanTextualAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_EmployeeBenefitPlanTextualAbstract_lbl" xml:lang="en-US">Employee Benefit Plan (Textual)</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost" xlink:label="us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost" xlink:to="us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost_lbl" xml:lang="en-US">Defined benefit plan, annual cost</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_AccruedEmployeeBenefitsCurrentAndNoncurrent" xlink:label="us-gaap_AccruedEmployeeBenefitsCurrentAndNoncurrent" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccruedEmployeeBenefitsCurrentAndNoncurrent" xlink:to="us-gaap_AccruedEmployeeBenefitsCurrentAndNoncurrent_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AccruedEmployeeBenefitsCurrentAndNoncurrent_lbl" xml:lang="en-US">Accrued benefit obligation</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_StockOptionPlanExpense" xlink:label="us-gaap_StockOptionPlanExpense" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StockOptionPlanExpense" xlink:to="us-gaap_StockOptionPlanExpense_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_StockOptionPlanExpense_lbl" xml:lang="en-US">Stock option expense</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_AmortizationOfDeferredCompensationOnRestrictedStock" xlink:label="sfst_AmortizationOfDeferredCompensationOnRestrictedStock" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_AmortizationOfDeferredCompensationOnRestrictedStock" xlink:to="sfst_AmortizationOfDeferredCompensationOnRestrictedStock_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="sfst_AmortizationOfDeferredCompensationOnRestrictedStock_lbl" xml:lang="en-US">Restricted stock grant expense</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_EmployeeBenefitsAndShareBasedCompensation" xlink:label="us-gaap_EmployeeBenefitsAndShareBasedCompensation" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EmployeeBenefitsAndShareBasedCompensation" xlink:to="us-gaap_EmployeeBenefitsAndShareBasedCompensation_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_EmployeeBenefitsAndShareBasedCompensation_lbl" xml:lang="en-US">Total stock-based compensation expense</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable" xlink:label="us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable" xlink:to="us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_lbl" xml:lang="en-US">Schedule of Share-based Compensation Arrangements by Share-based Payment Award [Table]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_lbl" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_SummaryOfStatusOfStockOptionPlanAndChangesAbstract" xlink:label="sfst_SummaryOfStatusOfStockOptionPlanAndChangesAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_SummaryOfStatusOfStockOptionPlanAndChangesAbstract" xlink:to="sfst_SummaryOfStatusOfStockOptionPlanAndChangesAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="sfst_SummaryOfStatusOfStockOptionPlanAndChangesAbstract_lbl" xml:lang="en-US">Summary of the status of the stock option plan and changes</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_lbl" xml:lang="en-US">Shares Outstanding at beginning of year</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross_lbl" xml:lang="en-US">Shares Granted</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised" xlink:to="us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised_2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised_2_lbl" xml:lang="en-US">Shares Exercised</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriod" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriod" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriod" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriod_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriod_lbl" xml:lang="en-US">Shares Forfeited or expired</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_2_lbl" xml:lang="en-US">Shares Outstanding at end of year</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_lbl" xml:lang="en-US">Shares options exercisable at year-end</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant_lbl" xml:lang="en-US">Shares available for grant</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_lbl" xml:lang="en-US">Weighted average exercise price Outstanding at beginning of year</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice" xlink:label="us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice" xlink:to="us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice_lbl" xml:lang="en-US">Weighted average exercise price Granted</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice" xlink:label="us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice" xlink:to="us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice_lbl" xml:lang="en-US">Weighted average exercise price Exercised</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriodWeightedAverageExercisePrice" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriodWeightedAverageExercisePrice" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriodWeightedAverageExercisePrice" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriodWeightedAverageExercisePrice_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriodWeightedAverageExercisePrice_lbl" xml:lang="en-US">Weighted average exercise price Forfeited or expired</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_2_lbl" xml:lang="en-US">Weighted average exercise price Outstanding at end of year</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice_lbl" xml:lang="en-US">Weighted average exercise price, Options exercisable at year-end</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_lbl" xml:lang="en-US">Weighted average fair value of options granted during the year</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2" xlink:label="us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2" xlink:to="us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2_lbl" xml:lang="en-US">Weighted Average Remaining Contractual Life, Outstanding at end of year</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1" xlink:label="us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1" xlink:to="us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1_lbl" xml:lang="en-US">Weighted Average Remaining Contractual Life, Options exercisable at year-end</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate_lbl" xml:lang="en-US">Dividend yield</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1" xlink:label="us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1" xlink:to="us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1_lbl" xml:lang="en-US">Expected life</link:label>
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate_lbl" xml:lang="en-US">Risk-free interest rate</link:label>
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      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_lbl" xml:lang="en-US">Summary of the status of the Company's nonvested restricted stock and changes</link:label>
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      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_lbl" xml:lang="en-US">Restricted Shares Nonvested at beginning of year</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_lbl" xml:lang="en-US">Restricted Shares Granted</link:label>
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      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod_lbl" xml:lang="en-US">Restricted Shares Vested</link:label>
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      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod_lbl" xml:lang="en-US">Restricted Shares Forfeited</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_2_lbl" xml:lang="en-US">Restricted Shares Nonvested at end of year</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_lbl" xml:lang="en-US">Weighted Average Grant-Date Fair Value Nonvested at beginning of year</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_lbl" xml:lang="en-US">Weighted Average Grant-Date Fair Value Granted</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue_lbl" xml:lang="en-US">Weighted Average Grant-Date Fair Value Vested</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue_lbl" xml:lang="en-US">Weighted Average Grant-Date Fair Value Forfeited</link:label>
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_2_lbl" xml:lang="en-US">Weighted Average Grant-Date Fair Value Nonvested at end of year</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_StockBasedCompensationTextualAbstract" xlink:label="sfst_StockBasedCompensationTextualAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_StockBasedCompensationTextualAbstract" xlink:to="sfst_StockBasedCompensationTextualAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_StockBasedCompensationTextualAbstract_lbl" xml:lang="en-US">Stock-Based Compensation (Textual)</link:label>
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant_2_lbl" xml:lang="en-US">Number of stock option available for grant</link:label>
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      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod" xlink:to="us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod_lbl" xml:lang="en-US">Option expiration period</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_AdjustedPercentageOfStockDividends" xlink:label="sfst_AdjustedPercentageOfStockDividends" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_AdjustedPercentageOfStockDividends" xlink:to="sfst_AdjustedPercentageOfStockDividends_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_AdjustedPercentageOfStockDividends_lbl" xml:lang="en-US">Adjusted percentage of stock dividends</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized_lbl" xml:lang="en-US">Number of shares authorized under the restricted stock plan</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_SharesIssuedUnderProvisionOfIssuanceOfSharesOfRestrictedStock" xlink:label="sfst_SharesIssuedUnderProvisionOfIssuanceOfSharesOfRestrictedStock" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_SharesIssuedUnderProvisionOfIssuanceOfSharesOfRestrictedStock" xlink:to="sfst_SharesIssuedUnderProvisionOfIssuanceOfSharesOfRestrictedStock_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_SharesIssuedUnderProvisionOfIssuanceOfSharesOfRestrictedStock_lbl" xml:lang="en-US">Shares issued under provision of issuance of shares of restricted stock</link:label>
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      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOtherShareIncreaseDecrease" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOtherShareIncreaseDecrease_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOtherShareIncreaseDecrease_lbl" xml:lang="en-US">Additional shares of common stock</link:label>
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      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue_lbl" xml:lang="en-US">Aggregate intrinsic value outstanding</link:label>
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      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1" xlink:to="us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1_lbl" xml:lang="en-US">Aggregate intrinsic value options exercisable at year-end</link:label>
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      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedStockOptions" xlink:to="us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedStockOptions_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedStockOptions_lbl" xml:lang="en-US">Unrecognized compensation cost</link:label>
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1_lbl" xml:lang="en-US">Recognized weighted average period</link:label>
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      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedInPeriodFairValue1" xlink:to="us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedInPeriodFairValue1_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedInPeriodFairValue1_lbl" xml:lang="en-US">Fair value of stock option grants</link:label>
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardGross_lbl" xml:lang="en-US">Stock to be issuable as restricted stock</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_3_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_3_lbl" xml:lang="en-US">Shares outstanding</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable" xlink:label="us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable" xlink:to="us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable_lbl" xml:lang="en-US">Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems" xlink:label="us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems" xlink:to="us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_lbl" xml:lang="en-US">Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_SummaryOfCapitalAmountsAndRatiosOfBankAndCompanyAndRegulatoryMinimumRequirementsAbstract" xlink:label="sfst_SummaryOfCapitalAmountsAndRatiosOfBankAndCompanyAndRegulatoryMinimumRequirementsAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_SummaryOfCapitalAmountsAndRatiosOfBankAndCompanyAndRegulatoryMinimumRequirementsAbstract" xlink:to="sfst_SummaryOfCapitalAmountsAndRatiosOfBankAndCompanyAndRegulatoryMinimumRequirementsAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="sfst_SummaryOfCapitalAmountsAndRatiosOfBankAndCompanyAndRegulatoryMinimumRequirementsAbstract_lbl" xml:lang="en-US">Summary of capital amounts and ratios of the Bank and the Company and the regulatory minimum requirements</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_Capital" xlink:label="us-gaap_Capital" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_Capital" xlink:to="us-gaap_Capital_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_Capital_lbl" xml:lang="en-US">Total Capital (to risk weighted assets) Actual</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_CapitalToRiskWeightedAssets" xlink:label="us-gaap_CapitalToRiskWeightedAssets" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CapitalToRiskWeightedAssets" xlink:to="us-gaap_CapitalToRiskWeightedAssets_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CapitalToRiskWeightedAssets_lbl" xml:lang="en-US">Total Capital (to risk weighted assets) Actual, Ratio</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_CapitalRequiredForCapitalAdequacy" xlink:label="us-gaap_CapitalRequiredForCapitalAdequacy" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CapitalRequiredForCapitalAdequacy" xlink:to="us-gaap_CapitalRequiredForCapitalAdequacy_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CapitalRequiredForCapitalAdequacy_lbl" xml:lang="en-US">Total Capital (to risk weighted assets) For capital adequacy purposes minimum</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets" xlink:label="us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets" xlink:to="us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets_lbl" xml:lang="en-US">Total Capital (to risk weighted assets) For capital adequacy purposes minimum, Ratio</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_CapitalRequiredToBeWellCapitalized" xlink:label="us-gaap_CapitalRequiredToBeWellCapitalized" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CapitalRequiredToBeWellCapitalized" xlink:to="us-gaap_CapitalRequiredToBeWellCapitalized_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CapitalRequiredToBeWellCapitalized_lbl" xml:lang="en-US">Total Capital (to risk weighted assets) To be well capitalized under prompt corrective action provisions minimum</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" xlink:label="us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" xlink:to="us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_lbl" xml:lang="en-US">Total Capital (to risk weighted assets) To be well capitalized under prompt corrective action provisions minimum, Ratio</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_TierOneRiskBasedCapital" xlink:label="us-gaap_TierOneRiskBasedCapital" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TierOneRiskBasedCapital" xlink:to="us-gaap_TierOneRiskBasedCapital_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TierOneRiskBasedCapital_lbl" xml:lang="en-US">Tier 1 Capital (to risk weighted assets) Actual</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets" xlink:label="us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets" xlink:to="us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets_lbl" xml:lang="en-US">Tier 1 Capital (to risk weighted assets) Actual, Ratio</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy" xlink:label="us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy" xlink:to="us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy_lbl" xml:lang="en-US">Tier 1 Capital (to risk weighted assets) For capital adequacy purposes minimum</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets" xlink:label="us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets" xlink:to="us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets_lbl" xml:lang="en-US">Tier 1 Capital (to risk weighted assets) For capital adequacy purposes minimum, Ratio</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized" xlink:label="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized" xlink:to="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized_lbl" xml:lang="en-US">Tier 1 Capital (to risk weighted assets) To be well capitalized under prompt corrective action provisions minimum</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" xlink:label="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" xlink:to="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_lbl" xml:lang="en-US">Tier 1 Capital (to risk weighted assets) To be well capitalized under prompt corrective action provisions minimum, Ratio</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_TierOneRiskBasedCommonStock" xlink:label="sfst_TierOneRiskBasedCommonStock" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_TierOneRiskBasedCommonStock" xlink:to="sfst_TierOneRiskBasedCommonStock_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_TierOneRiskBasedCommonStock_lbl" xml:lang="en-US">Common Equity Tier 1 Capital (to risk weighted assets) Actual</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_TierOneRiskBasedCommonStockToRiskWeightedAssets" xlink:label="sfst_TierOneRiskBasedCommonStockToRiskWeightedAssets" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_TierOneRiskBasedCommonStockToRiskWeightedAssets" xlink:to="sfst_TierOneRiskBasedCommonStockToRiskWeightedAssets_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_TierOneRiskBasedCommonStockToRiskWeightedAssets_lbl" xml:lang="en-US">Common Equity Tier 1 Capital (to risk weighted assets) Actual, Ratio</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_TierOneRiskBasedCommonStockRequiredForCapitalAdequacy" xlink:label="sfst_TierOneRiskBasedCommonStockRequiredForCapitalAdequacy" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_TierOneRiskBasedCommonStockRequiredForCapitalAdequacy" xlink:to="sfst_TierOneRiskBasedCommonStockRequiredForCapitalAdequacy_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_TierOneRiskBasedCommonStockRequiredForCapitalAdequacy_lbl" xml:lang="en-US">Common Equity Tier 1 Capital (to risk weighted assets) For capital adequacy purposes minimum</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_TierOneRiskBasedCommonStockRequiredForCapitalAdequacyToRiskWeightedAssets" xlink:label="sfst_TierOneRiskBasedCommonStockRequiredForCapitalAdequacyToRiskWeightedAssets" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_TierOneRiskBasedCommonStockRequiredForCapitalAdequacyToRiskWeightedAssets" xlink:to="sfst_TierOneRiskBasedCommonStockRequiredForCapitalAdequacyToRiskWeightedAssets_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_TierOneRiskBasedCommonStockRequiredForCapitalAdequacyToRiskWeightedAssets_lbl" xml:lang="en-US">Common Equity Tier 1 Capital (to risk weighted assets) For capital adequacy purposes minimum, Ratio</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_TierOneRiskBasedCommonStockRequiredToBeWellCapitalized" xlink:label="sfst_TierOneRiskBasedCommonStockRequiredToBeWellCapitalized" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_TierOneRiskBasedCommonStockRequiredToBeWellCapitalized" xlink:to="sfst_TierOneRiskBasedCommonStockRequiredToBeWellCapitalized_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_TierOneRiskBasedCommonStockRequiredToBeWellCapitalized_lbl" xml:lang="en-US">Common Equity Tier 1 Capital (to risk weighted assets) To be well capitalized under prompt corrective action provisions minimum</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_TierOneRiskBasedCommonStockRequiredToBeWellCapitalizedToRiskWeightedAssets" xlink:label="sfst_TierOneRiskBasedCommonStockRequiredToBeWellCapitalizedToRiskWeightedAssets" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_TierOneRiskBasedCommonStockRequiredToBeWellCapitalizedToRiskWeightedAssets" xlink:to="sfst_TierOneRiskBasedCommonStockRequiredToBeWellCapitalizedToRiskWeightedAssets_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_TierOneRiskBasedCommonStockRequiredToBeWellCapitalizedToRiskWeightedAssets_lbl" xml:lang="en-US">Common Equity Tier 1 Capital (to risk weighted assets) To be well capitalized under prompt corrective action provisions minimum, Ratio</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_TierOneLeverageCapital" xlink:label="us-gaap_TierOneLeverageCapital" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TierOneLeverageCapital" xlink:to="us-gaap_TierOneLeverageCapital_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TierOneLeverageCapital_lbl" xml:lang="en-US">Tier 1 Capital (to average assets) Actual</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_TierOneLeverageCapitalToAverageAssets" xlink:label="us-gaap_TierOneLeverageCapitalToAverageAssets" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TierOneLeverageCapitalToAverageAssets" xlink:to="us-gaap_TierOneLeverageCapitalToAverageAssets_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TierOneLeverageCapitalToAverageAssets_lbl" xml:lang="en-US">Tier 1 Capital (to average assets), Actual Ratio</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy" xlink:label="us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy" xlink:to="us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy_lbl" xml:lang="en-US">Tier 1 Capital (to average assets) For capital adequacy purposes minimum</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets" xlink:label="us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets" xlink:to="us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets_lbl" xml:lang="en-US">Tier 1 Capital (to average assets) For capital adequacy purposes minimum, Ratio</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized" xlink:label="us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized" xlink:to="us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized_lbl" xml:lang="en-US">Tier 1 Capital (to average assets) To be well capitalized under prompt corrective action provisions minimum</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets" xlink:label="us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets" xlink:to="us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets_lbl" xml:lang="en-US">Tier 1 Capital (to average assets) To be well capitalized under prompt corrective action provisions minimum, Ratio</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable" xlink:label="us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable" xlink:to="us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable_lbl" xml:lang="en-US">Schedule of Segment Reporting Information, by Segment [Table]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_SegmentReportingInformationLineItems" xlink:label="us-gaap_SegmentReportingInformationLineItems" />
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_SegmentReportingInformationLineItems_lbl" xml:lang="en-US">Segment Reporting Information [Line Items]</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestAndDividendIncomeOperating" xlink:to="us-gaap_InterestAndDividendIncomeOperating_2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_InterestAndDividendIncomeOperating_2_lbl" xml:lang="en-US">Interest income</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestExpense" xlink:to="us-gaap_InterestExpense_2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_InterestExpense_2_lbl" xml:lang="en-US">Interest expense</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestIncomeExpenseNet" xlink:to="us-gaap_InterestIncomeExpenseNet_2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InterestIncomeExpenseNet_2_lbl" xml:lang="en-US">Net interest income (loss)</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NoninterestIncome" xlink:to="us-gaap_NoninterestIncome_2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_NoninterestIncome_2_lbl" xml:lang="en-US">Noninterest income</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NoninterestExpense" xlink:to="us-gaap_NoninterestExpense_2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NoninterestExpense_2_lbl" xml:lang="en-US">Noninterest expense</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" xlink:to="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_2_lbl" xml:lang="en-US">Net income (loss) before taxes</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncomeTaxExpenseBenefit" xlink:to="us-gaap_IncomeTaxExpenseBenefit_3_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_IncomeTaxExpenseBenefit_3_lbl" xml:lang="en-US">Income tax provision (benefit)</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetIncomeLoss" xlink:to="us-gaap_NetIncomeLoss_3_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_NetIncomeLoss_3_lbl" xml:lang="en-US">Net income (loss)</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_Assets" xlink:to="us-gaap_Assets_2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_Assets_2_lbl" xml:lang="en-US">Total assets</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_NumberOfReportableSegments" xlink:label="us-gaap_NumberOfReportableSegments" />
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NumberOfReportableSegments_lbl" xml:lang="en-US">Number of segments</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/srt/2019/elts/srt-2019-01-31.xsd#srt_ScheduleOfCondensedFinancialStatementsTable" xlink:label="srt_ScheduleOfCondensedFinancialStatementsTable" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="srt_ScheduleOfCondensedFinancialStatementsTable" xlink:to="srt_ScheduleOfCondensedFinancialStatementsTable_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="srt_ScheduleOfCondensedFinancialStatementsTable_lbl" xml:lang="en-US">Condensed Financial Statements [Table]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/srt/2019/elts/srt-2019-01-31.xsd#srt_CondensedFinancialStatementsCaptionsLineItems" xlink:label="srt_CondensedFinancialStatementsCaptionsLineItems" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="srt_CondensedFinancialStatementsCaptionsLineItems" xlink:to="srt_CondensedFinancialStatementsCaptionsLineItems_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="srt_CondensedFinancialStatementsCaptionsLineItems_lbl" xml:lang="en-US">Condensed Financial Statements, Captions [Line Items]</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StatementOfFinancialPositionAbstract" xlink:to="us-gaap_StatementOfFinancialPositionAbstract_2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_StatementOfFinancialPositionAbstract_2_lbl" xml:lang="en-US">Balance Sheets [Abstract]</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AssetsAbstract" xlink:to="us-gaap_AssetsAbstract_2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_AssetsAbstract_2_lbl" xml:lang="en-US">Assets</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CashCashEquivalentsAndFederalFundsSold" xlink:to="us-gaap_CashCashEquivalentsAndFederalFundsSold_2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_CashCashEquivalentsAndFederalFundsSold_2_lbl" xml:lang="en-US">Cash and cash equivalents</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures" xlink:label="us-gaap_InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures" xlink:to="us-gaap_InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures_lbl" xml:lang="en-US">Investment in subsidiaries</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LiabilitiesAndStockholdersEquityAbstract" xlink:to="us-gaap_LiabilitiesAndStockholdersEquityAbstract_2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_LiabilitiesAndStockholdersEquityAbstract_2_lbl" xml:lang="en-US">Liabilities and Shareholders' Equity</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent" xlink:label="us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent" xlink:to="us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent_lbl" xml:lang="en-US">Accounts payable and accrued expenses</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StockholdersEquity" xlink:to="us-gaap_StockholdersEquity_4_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_StockholdersEquity_4_lbl" xml:lang="en-US">Shareholders' equity</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LiabilitiesAndStockholdersEquity" xlink:to="us-gaap_LiabilitiesAndStockholdersEquity_2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LiabilitiesAndStockholdersEquity_2_lbl" xml:lang="en-US">Total liabilities and shareholders' equity</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncomeStatementAbstract" xlink:to="us-gaap_IncomeStatementAbstract_2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_IncomeStatementAbstract_2_lbl" xml:lang="en-US">Condensed Statements of Income</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_RevenuesAbstract" xlink:label="us-gaap_RevenuesAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RevenuesAbstract" xlink:to="us-gaap_RevenuesAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_RevenuesAbstract_lbl" xml:lang="en-US">Revenues</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_Revenues" xlink:label="us-gaap_Revenues" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_Revenues" xlink:to="us-gaap_Revenues_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_Revenues_lbl" xml:lang="en-US">Total revenue</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_OperatingExpensesAbstract" xlink:label="us-gaap_OperatingExpensesAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OperatingExpensesAbstract" xlink:to="us-gaap_OperatingExpensesAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OperatingExpensesAbstract_lbl" xml:lang="en-US">Expenses</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_OtherExpenses" xlink:label="us-gaap_OtherExpenses" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherExpenses" xlink:to="us-gaap_OtherExpenses_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OtherExpenses_lbl" xml:lang="en-US">Other expenses</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_OperatingExpenses" xlink:label="us-gaap_OperatingExpenses" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OperatingExpenses" xlink:to="us-gaap_OperatingExpenses_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OperatingExpenses_lbl" xml:lang="en-US">Total expenses</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncomeTaxExpenseBenefit" xlink:to="us-gaap_IncomeTaxExpenseBenefit_4_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_IncomeTaxExpenseBenefit_4_lbl" xml:lang="en-US">Income tax benefit</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_IncomeLossBeforeEquityInUndistributedNetIncomeOfSubsidiaries" xlink:label="sfst_IncomeLossBeforeEquityInUndistributedNetIncomeOfSubsidiaries" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_IncomeLossBeforeEquityInUndistributedNetIncomeOfSubsidiaries" xlink:to="sfst_IncomeLossBeforeEquityInUndistributedNetIncomeOfSubsidiaries_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_IncomeLossBeforeEquityInUndistributedNetIncomeOfSubsidiaries_lbl" xml:lang="en-US">Loss before equity in undistributed net income of subsidiaries</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_EquityInUndistributedNetIncomeOfSubsidiaries" xlink:label="sfst_EquityInUndistributedNetIncomeOfSubsidiaries" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_EquityInUndistributedNetIncomeOfSubsidiaries" xlink:to="sfst_EquityInUndistributedNetIncomeOfSubsidiaries_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_EquityInUndistributedNetIncomeOfSubsidiaries_lbl" xml:lang="en-US">Equity in undistributed net income of subsidiaries</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StatementOfCashFlowsAbstract" xlink:to="us-gaap_StatementOfCashFlowsAbstract_2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_StatementOfCashFlowsAbstract_2_lbl" xml:lang="en-US">Condensed Statements of Cash Flows</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperationsAbstract" xlink:label="us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperationsAbstract" />
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperationsAbstract_lbl" xml:lang="en-US">Operating activities</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:to="us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_2_lbl" xml:lang="en-US">Adjustments to reconcile net income to cash provided by (used for) operating activities</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_EquityInUndistributedNetIncomeOfSubsidiaries" xlink:to="sfst_EquityInUndistributedNetIncomeOfSubsidiaries_2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="sfst_EquityInUndistributedNetIncomeOfSubsidiaries_2_lbl" xml:lang="en-US">Equity in undistributed net income of subsidiaries</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInOtherOperatingAssets" xlink:to="us-gaap_IncreaseDecreaseInOtherOperatingAssets_2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:label="us-gaap_IncreaseDecreaseInOtherOperatingAssets_2_lbl" xml:lang="en-US">(Increase) decrease in other assets</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_IncreaseDecreaseInAccountsPayableAndAccruedLiabilities" xlink:label="us-gaap_IncreaseDecreaseInAccountsPayableAndAccruedLiabilities" />
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncreaseDecreaseInAccountsPayableAndAccruedLiabilities_lbl" xml:lang="en-US">Increase (decrease) in accounts payable and accrued expenses</link:label>
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      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperationsAbstract" xlink:label="us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperationsAbstract" />
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      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_InvestmentInSubsidiaries" xlink:label="sfst_InvestmentInSubsidiaries" />
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_InvestmentInSubsidiaries_lbl" xml:lang="en-US">Investment in subsidiaries, net</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:to="us-gaap_NetCashProvidedByUsedInInvestingActivities_2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NetCashProvidedByUsedInInvestingActivities_2_lbl" xml:lang="en-US">Net cash used for investing activities</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperationsAbstract" xlink:label="us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperationsAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperationsAbstract" xlink:to="us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperationsAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperationsAbstract_lbl" xml:lang="en-US">Financing activities</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StockIssuedDuringPeriodValueNewIssues" xlink:to="us-gaap_StockIssuedDuringPeriodValueNewIssues_2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_StockIssuedDuringPeriodValueNewIssues_2_lbl" xml:lang="en-US">Issuance of common stock</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_ProceedsFromExerciseOfStockOptionsAndWarrants" xlink:label="sfst_ProceedsFromExerciseOfStockOptionsAndWarrants" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_ProceedsFromExerciseOfStockOptionsAndWarrants" xlink:to="sfst_ProceedsFromExerciseOfStockOptionsAndWarrants_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_ProceedsFromExerciseOfStockOptionsAndWarrants_lbl" xml:lang="en-US">Proceeds from the exercise of stock options and warrants</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetCashProvidedByUsedInFinancingActivities" xlink:to="us-gaap_NetCashProvidedByUsedInFinancingActivities_2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NetCashProvidedByUsedInFinancingActivities_2_lbl" xml:lang="en-US">Net cash provided by financing activities</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease" xlink:to="us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease_2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease_2_lbl" xml:lang="en-US">Net increase (decrease) in cash and cash equivalents</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_QuarterlyFinancialInformationDisclosureTable" xlink:label="sfst_QuarterlyFinancialInformationDisclosureTable" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_QuarterlyFinancialInformationDisclosureTable" xlink:to="sfst_QuarterlyFinancialInformationDisclosureTable_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_QuarterlyFinancialInformationDisclosureTable_lbl" xml:lang="en-US">Quarterly Financial Information Disclosure [Table]</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_QuarterlyFinancialInformationDisclosureLineItems" xlink:label="sfst_QuarterlyFinancialInformationDisclosureLineItems" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_QuarterlyFinancialInformationDisclosureLineItems" xlink:to="sfst_QuarterlyFinancialInformationDisclosureLineItems_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_QuarterlyFinancialInformationDisclosureLineItems_lbl" xml:lang="en-US">Quarterly Financial Information Disclosure [Line Items]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_SelectedQuarterlyFinancialInformationAbstract" xlink:label="us-gaap_SelectedQuarterlyFinancialInformationAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SelectedQuarterlyFinancialInformationAbstract" xlink:to="us-gaap_SelectedQuarterlyFinancialInformationAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_SelectedQuarterlyFinancialInformationAbstract_lbl" xml:lang="en-US">Summary of selected quarterly financial information</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestIncomeExpenseNet" xlink:to="us-gaap_InterestIncomeExpenseNet_3_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_InterestIncomeExpenseNet_3_lbl" xml:lang="en-US">Net interest income</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NoninterestExpense" xlink:to="us-gaap_NoninterestExpense_3_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_NoninterestExpense_3_lbl" xml:lang="en-US">Noninterest expenses</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" xlink:to="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_3_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_3_lbl" xml:lang="en-US">Income before income tax expense</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetIncomeLoss" xlink:to="us-gaap_NetIncomeLoss_4_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_NetIncomeLoss_4_lbl" xml:lang="en-US">Net income available to common shareholders</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_AccruingTroubledDebtRestructurings" xlink:to="sfst_AccruingTroubledDebtRestructurings_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_AccruingTroubledDebtRestructurings_doc" xml:lang="en-US">Accruing troubled debt restructurings.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_AdditionalBorrowingsUnderFederalHomeLoanBank" xlink:to="sfst_AdditionalBorrowingsUnderFederalHomeLoanBank_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_AdditionalBorrowingsUnderFederalHomeLoanBank_doc" xml:lang="en-US">Additional borrowings under Federal Home Loan Bank.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_AdjustedPercentageOfStockDividends" xlink:to="sfst_AdjustedPercentageOfStockDividends_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_AdjustedPercentageOfStockDividends_doc" xml:lang="en-US">Adjusted percentage of stock dividends.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_AggregateNumberOfLoansAddedUnderTroubledDebtRestructurings" xlink:to="sfst_AggregateNumberOfLoansAddedUnderTroubledDebtRestructurings_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_AggregateNumberOfLoansAddedUnderTroubledDebtRestructurings_doc" xml:lang="en-US">Aggregate number of loans added under troubled debt restructurings.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_AggregateNumberOfLoansClassifiedUnderTroubledDebtRestructurings" xlink:to="sfst_AggregateNumberOfLoansClassifiedUnderTroubledDebtRestructurings_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_AggregateNumberOfLoansClassifiedUnderTroubledDebtRestructurings_doc" xml:lang="en-US">Aggregate number of loans classified under troubled debt restructurings.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_AggregateNumberOfLoansRemovedUnderTroubledDebtRestructurings" xlink:to="sfst_AggregateNumberOfLoansRemovedUnderTroubledDebtRestructurings_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_AggregateNumberOfLoansRemovedUnderTroubledDebtRestructurings_doc" xml:lang="en-US">Aggregate number of loans removed under troubled debt restructurings.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_AggregateSumOfLoansAddedAsTroubledDebtRestructurings" xlink:to="sfst_AggregateSumOfLoansAddedAsTroubledDebtRestructurings_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_AggregateSumOfLoansAddedAsTroubledDebtRestructurings_doc" xml:lang="en-US">Aggregate sum of loans added as troubled debt restructurings.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_AggregateSumOfLoansClassifiedAsTroubledDebtRestructurings" xlink:to="sfst_AggregateSumOfLoansClassifiedAsTroubledDebtRestructurings_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_AggregateSumOfLoansClassifiedAsTroubledDebtRestructurings_doc" xml:lang="en-US">Aggregate sum of loans classified as troubled debt restructurings.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_AgreementWithDataProcessorExpired" xlink:to="sfst_AgreementWithDataProcessorExpired_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_AgreementWithDataProcessorExpired_doc" xml:lang="en-US">Agreement with data processor expired.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_AllowanceForLoanAndLeaseLossesWriteOffsNetOfRecoveries" xlink:to="sfst_AllowanceForLoanAndLeaseLossesWriteOffsNetOfRecoveries_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_AllowanceForLoanAndLeaseLossesWriteOffsNetOfRecoveries_doc" xml:lang="en-US">Allowance for loan and lease losses write offs net of recoveries.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_AmortizationOfDeferredCompensationOnRestrictedStock" xlink:to="sfst_AmortizationOfDeferredCompensationOnRestrictedStock_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_AmortizationOfDeferredCompensationOnRestrictedStock_doc" xml:lang="en-US">Represents the value for amortization of deferred compensation on restricted stock.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_AssetBackedSecurities" xlink:to="sfst_AssetBackedSecurities_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_AssetBackedSecurities_doc" xml:lang="en-US">Asset-backed securities.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_AtmAndDebitCardIncome" xlink:to="sfst_AtmAndDebitCardIncome_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_AtmAndDebitCardIncome_doc" xml:lang="en-US">ATM and debit card income.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_BalanceSheetLocationDescription" xlink:to="sfst_BalanceSheetLocationDescription_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_BalanceSheetLocationDescription_doc" xml:lang="en-US">Description of balance sheet location.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_BankMember" xlink:to="sfst_BankMember_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_BankMember_doc" xml:lang="en-US">Bank Member.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_BankOwnedLifeInsurancePoliciesPolicyTextBlock" xlink:to="sfst_BankOwnedLifeInsurancePoliciesPolicyTextBlock_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_BankOwnedLifeInsurancePoliciesPolicyTextBlock_doc" xml:lang="en-US">Bank Owned Life Insurance Policies.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_BusinessActivityPolicyTextBlock" xlink:to="sfst_BusinessActivityPolicyTextBlock_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_BusinessActivityPolicyTextBlock_doc" xml:lang="en-US">Business activity.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_BusinessLoanMember" xlink:to="sfst_BusinessLoanMember_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_BusinessLoanMember_doc" xml:lang="en-US">Business loan.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_CommercialAndRetailBankingMember" xlink:to="sfst_CommercialAndRetailBankingMember_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_CommercialAndRetailBankingMember_doc" xml:lang="en-US">Commercial and reatail banking.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_CommercialLoansMember" xlink:to="sfst_CommercialLoansMember_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_CommercialLoansMember_doc" xml:lang="en-US">Commercial Loans [Member]</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_CommercialLoansPercentageOfAggregateRealEstateLoan" xlink:to="sfst_CommercialLoansPercentageOfAggregateRealEstateLoan_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_CommercialLoansPercentageOfAggregateRealEstateLoan_doc" xml:lang="en-US">Commercial loans percentage of aggregate real estate loan.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_CommitmentUnderLettersOfCredit" xlink:to="sfst_CommitmentUnderLettersOfCredit_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_CommitmentUnderLettersOfCredit_doc" xml:lang="en-US">Commitment under letters of credit.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_CommitmentsAndContingenciesLineItems" xlink:to="sfst_CommitmentsAndContingenciesLineItems_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_CommitmentsAndContingenciesLineItems_doc" xml:lang="en-US">Commitments and Contingencies.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_CommitmentsAndContingenciesTable" xlink:to="sfst_CommitmentsAndContingenciesTable_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_CommitmentsAndContingenciesTable_doc" xml:lang="en-US">Commitments and Contingencies.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_ComponentsOfEarningsPerShareAbstract" xlink:to="sfst_ComponentsOfEarningsPerShareAbstract_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_ComponentsOfEarningsPerShareAbstract_doc" xml:lang="en-US">Components of earnings per share.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_ConsumerLoansPercentageOfAggregateRealEstateLoan" xlink:to="sfst_ConsumerLoansPercentageOfAggregateRealEstateLoan_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_ConsumerLoansPercentageOfAggregateRealEstateLoan_doc" xml:lang="en-US">Consumer loans percentage of aggregate real estate loan.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_ConvertedToInterestOnly" xlink:to="sfst_ConvertedToInterestOnly_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_ConvertedToInterestOnly_doc" xml:lang="en-US">Converted to interest only.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_DeferredTaxAssetSaleOfRealEstateOwned" xlink:to="sfst_DeferredTaxAssetSaleOfRealEstateOwned_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_DeferredTaxAssetSaleOfRealEstateOwned_doc" xml:lang="en-US">Deferred tax asset Sale of real estate owned.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_DeferredTaxAssetsNetDeferredLoanFees" xlink:to="sfst_DeferredTaxAssetsNetDeferredLoanFees_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_DeferredTaxAssetsNetDeferredLoanFees_doc" xml:lang="en-US">Deferred tax assets net deferred loan fees.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_DeferredTaxLiabilitiesHedgingTransactions" xlink:to="sfst_DeferredTaxLiabilitiesHedgingTransactions_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_DeferredTaxLiabilitiesHedgingTransactions_doc" xml:lang="en-US">Deferred tax liabilities hedging transactions.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_DenominatorOfEarningsPerShareAbstract" xlink:to="sfst_DenominatorOfEarningsPerShareAbstract_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_DenominatorOfEarningsPerShareAbstract_doc" xml:lang="en-US">Denominator of earnings per share.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_DepositAxis" xlink:to="sfst_DepositAxis_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_DepositAxis_doc" xml:lang="en-US">Deposit.</link:label>
      <link:loc xlink:type="locator" xlink:href="sfst-20191231.xsd#sfst_DepositDomain" xlink:label="sfst_DepositDomain" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_DepositDomain" xlink:to="sfst_DepositDomain_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_DepositDomain_doc" xml:lang="en-US">Deposit.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_DepositLineItems" xlink:to="sfst_DepositLineItems_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_DepositLineItems_doc" xml:lang="en-US">Deposits.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_DepositTable" xlink:to="sfst_DepositTable_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_DepositTable_doc" xml:lang="en-US">Deposit.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_DescriptionOfWallStreetReformAndConsumerProtectionAct" xlink:to="sfst_DescriptionOfWallStreetReformAndConsumerProtectionAct_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_DescriptionOfWallStreetReformAndConsumerProtectionAct_doc" xml:lang="en-US">Description of Dodd-Frank wall street reform and consumer protection act.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_DetailOfDepositAccountsTableTextBlock" xlink:to="sfst_DetailOfDepositAccountsTableTextBlock_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_DetailOfDepositAccountsTableTextBlock_doc" xml:lang="en-US">Tabular disclosure for detail of the deposit accounts.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_DirectorsAffiliatesAndExecutiveOfficersMember" xlink:to="sfst_DirectorsAffiliatesAndExecutiveOfficersMember_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_DirectorsAffiliatesAndExecutiveOfficersMember_doc" xml:lang="en-US">Directors, including their affiliates and executive officers.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_DividendsDisclosureTextBlock" xlink:to="sfst_DividendsDisclosureTextBlock_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_DividendsDisclosureTextBlock_doc" xml:lang="en-US">Dividends disclosure.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_EffectiveAccountingStandardsNewlyIssuedPolicyTextBlock" xlink:to="sfst_EffectiveAccountingStandardsNewlyIssuedPolicyTextBlock_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_EffectiveAccountingStandardsNewlyIssuedPolicyTextBlock_doc" xml:lang="en-US">Disclosure of accounting policy newly issued but not yet effectivr accounting standards for the period.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_EmploymentAgreementDescription" xlink:to="sfst_EmploymentAgreementDescription_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_EmploymentAgreementDescription_doc" xml:lang="en-US">Employment agreement description.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_EquityInUndistributedNetIncomeOfSubsidiaries" xlink:to="sfst_EquityInUndistributedNetIncomeOfSubsidiaries_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_EquityInUndistributedNetIncomeOfSubsidiaries_doc" xml:lang="en-US">Equity in undistributed net income of subsidiaries.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_EstimatedAggregateCommitment" xlink:to="sfst_EstimatedAggregateCommitment_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_EstimatedAggregateCommitment_doc" xml:lang="en-US">Estimated aggregate commitment.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_FairValueAssumptionsRangeOfInputs" xlink:to="sfst_FairValueAssumptionsRangeOfInputs_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_FairValueAssumptionsRangeOfInputs_doc" xml:lang="en-US">Fair value assumptions range of inputs.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_FairValueOfMeasurementsSignificantAssumptions" xlink:to="sfst_FairValueOfMeasurementsSignificantAssumptions_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_FairValueOfMeasurementsSignificantAssumptions_doc" xml:lang="en-US">Description of significant assumptions used by management to measure fair value.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_FairValueOfMeasurementsValuationTechniques" xlink:to="sfst_FairValueOfMeasurementsValuationTechniques_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_FairValueOfMeasurementsValuationTechniques_doc" xml:lang="en-US">Description of the inputs and valuation technique(s) used to measure fair value.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_FederalHomeLoanBankAdvancesAndRepurchaseAgreements" xlink:to="sfst_FederalHomeLoanBankAdvancesAndRepurchaseAgreements_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_FederalHomeLoanBankAdvancesAndRepurchaseAgreements_doc" xml:lang="en-US">Amount of borrowings as of the balance sheet date from the Federal Home Loan Bank, which are primarily used to cover shortages in the required reserve balance and liquidity shortages and repurchase agreements.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_FederalHomeLoanBankAdvancesAndRepurchaseAgreementsTextBlock" xlink:to="sfst_FederalHomeLoanBankAdvancesAndRepurchaseAgreementsTextBlock_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_FederalHomeLoanBankAdvancesAndRepurchaseAgreementsTextBlock_doc" xml:lang="en-US">The entire disclosure for borrowing from the Federal Home Loan Bank, including: (i) general description; (ii) title and nature of obligation; (iii) interest rate; (iv) payment terms; (v) maturity dates by year; (vi) collateral requirements; (vii) restrictive covenants; (viii) priority; (ix) conversion or redemption features; (x) carrying value of assets pledged as collateral; (xi) combined aggregate maturities for next five years; (xii) unused or available balances and repurchase agreement.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_FederalHomeLoanBankAdvancesFourMember" xlink:to="sfst_FederalHomeLoanBankAdvancesFourMember_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_FederalHomeLoanBankAdvancesFourMember_doc" xml:lang="en-US">Federal Home Loan Bank Advances four.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_FederalHomeLoanBankAdvancesMaturityDate" xlink:to="sfst_FederalHomeLoanBankAdvancesMaturityDate_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_FederalHomeLoanBankAdvancesMaturityDate_doc" xml:lang="en-US">Federal Home Loan Bank Advances maturity date.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_FederalHomeLoanBankAdvancesOneMember" xlink:to="sfst_FederalHomeLoanBankAdvancesOneMember_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_FederalHomeLoanBankAdvancesOneMember_doc" xml:lang="en-US">Federal Home Loan Bank Advances one.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_FederalHomeLoanBankAdvancesThreeMember" xlink:to="sfst_FederalHomeLoanBankAdvancesThreeMember_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_FederalHomeLoanBankAdvancesThreeMember_doc" xml:lang="en-US">Federal Home Loan Bank Advances three.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_FederalHomeLoanBankAdvancesTwoMember" xlink:to="sfst_FederalHomeLoanBankAdvancesTwoMember_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_FederalHomeLoanBankAdvancesTwoMember_doc" xml:lang="en-US">Federal Home Loan Bank Advances two.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_FinancialInstrumentsWithOffBalanceSheetRiskTextBlock" xlink:to="sfst_FinancialInstrumentsWithOffBalanceSheetRiskTextBlock_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_FinancialInstrumentsWithOffBalanceSheetRiskTextBlock_doc" xml:lang="en-US">The entire disclosure for financial instruments with off-balance sheet risk.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_FinancingReceivableRecordedInvestmentPastDueOne" xlink:to="sfst_FinancingReceivableRecordedInvestmentPastDueOne_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_FinancingReceivableRecordedInvestmentPastDueOne_doc" xml:lang="en-US">Financing receivable recorded investment past due one.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_FinancingReceivableRecordedInvestmentPastDueTwo" xlink:to="sfst_FinancingReceivableRecordedInvestmentPastDueTwo_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_FinancingReceivableRecordedInvestmentPastDueTwo_doc" xml:lang="en-US">Financing receivable recorded investment past due two.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_ForegoneInterestIncomeOnNonAccrualLoans" xlink:to="sfst_ForegoneInterestIncomeOnNonAccrualLoans_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_ForegoneInterestIncomeOnNonAccrualLoans_doc" xml:lang="en-US">Foregone interest income on non accrual loans .</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_FourthQuarterMember" xlink:to="sfst_FourthQuarterMember_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_FourthQuarterMember_doc" xml:lang="en-US">Fourth Quarter [Member]</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_GainLossOnSaleOfOtherRealEstateOwned" xlink:to="sfst_GainLossOnSaleOfOtherRealEstateOwned_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_GainLossOnSaleOfOtherRealEstateOwned_doc" xml:lang="en-US">Represents gain or loss realized from sale of other real estate owned.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_GreenvilleFirstStatutoryTrustOneMember" xlink:to="sfst_GreenvilleFirstStatutoryTrustOneMember_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_GreenvilleFirstStatutoryTrustOneMember_doc" xml:lang="en-US">Greenville First Statutory Trust I.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_GreenvilleFirstStatutoryTrustTwoMember" xlink:to="sfst_GreenvilleFirstStatutoryTrustTwoMember_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_GreenvilleFirstStatutoryTrustTwoMember_doc" xml:lang="en-US">Greenville First Statutory Trust II.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_ImpairedLoansFairValue" xlink:to="sfst_ImpairedLoansFairValue_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_ImpairedLoansFairValue_doc" xml:lang="en-US">Impaired loans, Fair value.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_ImpairedLoansMember" xlink:to="sfst_ImpairedLoansMember_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_ImpairedLoansMember_doc" xml:lang="en-US">Impaired loans.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_ImpairmentMethodologyForCreditLossesOnFinancingReceivablesTableTextBlock" xlink:to="sfst_ImpairmentMethodologyForCreditLossesOnFinancingReceivablesTableTextBlock_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_ImpairmentMethodologyForCreditLossesOnFinancingReceivablesTableTextBlock_doc" xml:lang="en-US">Impairment methodology for credit losses on financing receivables.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_IncomeLossBeforeEquityInUndistributedNetIncomeOfSubsidiaries" xlink:to="sfst_IncomeLossBeforeEquityInUndistributedNetIncomeOfSubsidiaries_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_IncomeLossBeforeEquityInUndistributedNetIncomeOfSubsidiaries_doc" xml:lang="en-US">Income (loss) before equity in undistributed net income of subsidiaries.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_IncomeTaxDescription" xlink:to="sfst_IncomeTaxDescription_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_IncomeTaxDescription_doc" xml:lang="en-US">Description of income tax.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_IncreaseDecreaseInFederalHomeLoanBankAdvancesAndOtherBorrowings" xlink:to="sfst_IncreaseDecreaseInFederalHomeLoanBankAdvancesAndOtherBorrowings_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_IncreaseDecreaseInFederalHomeLoanBankAdvancesAndOtherBorrowings_doc" xml:lang="en-US">Increase decrease in federal home loan bank advances and other borrowings.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_IndexedPeriodOfLondonInterbankOfferedRate" xlink:to="sfst_IndexedPeriodOfLondonInterbankOfferedRate_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_IndexedPeriodOfLondonInterbankOfferedRate_doc" xml:lang="en-US">Indexed period of London interbank offered rate.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_InitialProceedsOfPreferredSecuritiesFromCapitalInvestment" xlink:to="sfst_InitialProceedsOfPreferredSecuritiesFromCapitalInvestment_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_InitialProceedsOfPreferredSecuritiesFromCapitalInvestment_doc" xml:lang="en-US">Initial proceeds of preferred securities from the capital investment.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_InvestmentInSubsidiaries" xlink:to="sfst_InvestmentInSubsidiaries_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_InvestmentInSubsidiaries_doc" xml:lang="en-US">Investment in subsidiaries.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_InvestmentInTrustPreferredSubsidiaries" xlink:to="sfst_InvestmentInTrustPreferredSubsidiaries_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_InvestmentInTrustPreferredSubsidiaries_doc" xml:lang="en-US">Investment in Trust Preferred subsidiaries.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_InvestmentInTrusts" xlink:to="sfst_InvestmentInTrusts_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_InvestmentInTrusts_doc" xml:lang="en-US">Investment in trusts.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_InvestmentsWithFairMarketValueInContinuousUnrealizedLossPositionLessThanTwelveMonths" xlink:to="sfst_InvestmentsWithFairMarketValueInContinuousUnrealizedLossPositionLessThanTwelveMonths_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_InvestmentsWithFairMarketValueInContinuousUnrealizedLossPositionLessThanTwelveMonths_doc" xml:lang="en-US">Investments with fair market value in continuous unrealized loss position for less than twelve months.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_InvestmentsWithFairMarketValueInContinuousUnrealizedLossPositionTwelveMonthsOrLonger" xlink:to="sfst_InvestmentsWithFairMarketValueInContinuousUnrealizedLossPositionTwelveMonthsOrLonger_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_InvestmentsWithFairMarketValueInContinuousUnrealizedLossPositionTwelveMonthsOrLonger_doc" xml:lang="en-US">Investments with fair market value In continuous unrealized loss position twelve months or longer.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_JuniorSubordinatedDebenturesTextBlock" xlink:to="sfst_JuniorSubordinatedDebenturesTextBlock_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_JuniorSubordinatedDebenturesTextBlock_doc" xml:lang="en-US">The entire disclosure for junior subordinated debentures.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_LoanChargeOffPolicyPolicyTextBlock" xlink:to="sfst_LoanChargeOffPolicyPolicyTextBlock_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_LoanChargeOffPolicyPolicyTextBlock_doc" xml:lang="en-US">Loan Charge off Policy.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_LoanPaymentsRelatedParty" xlink:to="sfst_LoanPaymentsRelatedParty_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_LoanPaymentsRelatedParty_doc" xml:lang="en-US">Loan payments by related party.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_LoanReceivableByRateTypeTableTextBlock" xlink:to="sfst_LoanReceivableByRateTypeTableTextBlock_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_LoanReceivableByRateTypeTableTextBlock_doc" xml:lang="en-US">Composition of gross loans by rate type.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_LoanTransactionsWithRelatedParty" xlink:to="sfst_LoanTransactionsWithRelatedParty_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_LoanTransactionsWithRelatedParty_doc" xml:lang="en-US">Loan transactions with related party.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_LoansAndLeasesReceivableNetOfDeferredIncomePercentage" xlink:to="sfst_LoansAndLeasesReceivableNetOfDeferredIncomePercentage_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_LoansAndLeasesReceivableNetOfDeferredIncomePercentage_doc" xml:lang="en-US">Loans and leases receivable net of deferred income percentage.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_LoansOverNinetyDaysPastDue" xlink:to="sfst_LoansOverNinetyDaysPastDue_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_LoansOverNinetyDaysPastDue_doc" xml:lang="en-US">Loans over ninety days past due.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_LossMember" xlink:to="sfst_LossMember_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_LossMember_doc" xml:lang="en-US">Loss category defined by banking regulatory agencies.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_MaturityDateExtensions" xlink:to="sfst_MaturityDateExtensions_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_MaturityDateExtensions_doc" xml:lang="en-US">Maturity date extensions.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_MortgageLoanPledgedAsCollateralForAdvancesFromFhlb" xlink:to="sfst_MortgageLoanPledgedAsCollateralForAdvancesFromFhlb_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_MortgageLoanPledgedAsCollateralForAdvancesFromFhlb_doc" xml:lang="en-US">Mortgage loan pledged as collateral for advances from FHLB.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_MortgageLoansHeldForSaleTextBlock" xlink:to="sfst_MortgageLoansHeldForSaleTextBlock_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_MortgageLoansHeldForSaleTextBlock_doc" xml:lang="en-US">The entire disclosure for mortgage loans held for sale.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_NewLoans" xlink:to="sfst_NewLoans_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_NewLoans_doc" xml:lang="en-US">New loans.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_NonOwnerOccupiedReMember" xlink:to="sfst_NonOwnerOccupiedReMember_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_NonOwnerOccupiedReMember_doc" xml:lang="en-US">Non owner occupied real estate.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_NonaccrualLoansAndOtherRealEstate" xlink:to="sfst_NonaccrualLoansAndOtherRealEstate_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_NonaccrualLoansAndOtherRealEstate_doc" xml:lang="en-US">Total nonperforming assets consist of nonaccrual loans and other Real Estate.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_NonaccrualLoansIncludingNonaccruingTroubledDebtRestructurings" xlink:to="sfst_NonaccrualLoansIncludingNonaccruingTroubledDebtRestructurings_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_NonaccrualLoansIncludingNonaccruingTroubledDebtRestructurings_doc" xml:lang="en-US">Recorded investment in financing receivables that are on nonaccrual status as of the balance sheet date.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_NonaccruingTroubledDebtRestructurings" xlink:to="sfst_NonaccruingTroubledDebtRestructurings_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_NonaccruingTroubledDebtRestructurings_doc" xml:lang="en-US">Nonaccruing troubled debt restructurings.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_NonperformingAssetsAsPercentageOfAssets" xlink:to="sfst_NonperformingAssetsAsPercentageOfAssets_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_NonperformingAssetsAsPercentageOfAssets_doc" xml:lang="en-US">Nonperforming assets as a percentage of Assets.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_NonperformingAssetsAsPercentageOfGrossLoans" xlink:to="sfst_NonperformingAssetsAsPercentageOfGrossLoans_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_NonperformingAssetsAsPercentageOfGrossLoans_doc" xml:lang="en-US">Nonperforming assets as a percentage of Gross loans.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_NonperformingAssetsInRelativePercentageAbstract" xlink:to="sfst_NonperformingAssetsInRelativePercentageAbstract_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_NonperformingAssetsInRelativePercentageAbstract_doc" xml:lang="en-US">Nonperforming assets in relative percentage.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_NonvestedRestrictedStockValue" xlink:to="sfst_NonvestedRestrictedStockValue_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_NonvestedRestrictedStockValue_doc" xml:lang="en-US">Aggregate value of restricted common stock, which are yet to be vested.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_NumberOfExecutiveOfficers" xlink:to="sfst_NumberOfExecutiveOfficers_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_NumberOfExecutiveOfficers_doc" xml:lang="en-US">Number of executive officers.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_NumberOfInvestmentsInContinuousUnrealizedLossPosition" xlink:to="sfst_NumberOfInvestmentsInContinuousUnrealizedLossPosition_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_NumberOfInvestmentsInContinuousUnrealizedLossPosition_doc" xml:lang="en-US">Number of investments in continuous unrealized loss position.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_NumberOfInvestmentsInContinuousUnrealizedLossPositionLessThanTwelveMonths" xlink:to="sfst_NumberOfInvestmentsInContinuousUnrealizedLossPositionLessThanTwelveMonths_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_NumberOfInvestmentsInContinuousUnrealizedLossPositionLessThanTwelveMonths_doc" xml:lang="en-US">Number of investments in continuous unrealized loss position, less than twelve months.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_NumberOfInvestmentsInContinuousUnrealizedLossPositionTwelveMonthsOrLonger" xlink:to="sfst_NumberOfInvestmentsInContinuousUnrealizedLossPositionTwelveMonthsOrLonger_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_NumberOfInvestmentsInContinuousUnrealizedLossPositionTwelveMonthsOrLonger_doc" xml:lang="en-US">Number of investments in continuous unrealized loss position twelve months or longer.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_NumberOfMonthPaymentDefaulted" xlink:to="sfst_NumberOfMonthPaymentDefaulted_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_NumberOfMonthPaymentDefaulted_doc" xml:lang="en-US">Number of month payment defaulted.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_NumberOfOffices" xlink:to="sfst_NumberOfOffices_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_NumberOfOffices_doc" xml:lang="en-US">Number of offices.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_NumeratorOfEarningsPerShareAbstract" xlink:to="sfst_NumeratorOfEarningsPerShareAbstract_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_NumeratorOfEarningsPerShareAbstract_doc" xml:lang="en-US">Numerator of earnings per share</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_OtherConsumerMember" xlink:to="sfst_OtherConsumerMember_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_OtherConsumerMember_doc" xml:lang="en-US">Other consumer.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_OtherInvestmentsPolicyTextBlock" xlink:to="sfst_OtherInvestmentsPolicyTextBlock_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_OtherInvestmentsPolicyTextBlock_doc" xml:lang="en-US">Other Investments.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_OtherRealEstateAcquiredInSettlementOfLoans" xlink:to="sfst_OtherRealEstateAcquiredInSettlementOfLoans_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_OtherRealEstateAcquiredInSettlementOfLoans_doc" xml:lang="en-US">Other real estate acquired through settlement of loan at the lower of cost or estimated fair value in a noncash (or part noncash) acquisition. Noncash is defined as information about all investing and financing activities of an enterprise during a period that affect recognized assets or liabilities but that do not result in cash receipts or cash payments in the period. "Part noncash" refers to that portion of the transaction not resulting in cash receipts or cash payments in the period.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_OtherRealEstateOwned" xlink:to="sfst_OtherRealEstateOwned_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_OtherRealEstateOwned_doc" xml:lang="en-US">Other real estate owned.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_OtherRealEstateOwnedMember" xlink:to="sfst_OtherRealEstateOwnedMember_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_OtherRealEstateOwnedMember_doc" xml:lang="en-US">Other real estate owned.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_OtherRealEstateWriteDowns" xlink:to="sfst_OtherRealEstateWriteDowns_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_OtherRealEstateWriteDowns_doc" xml:lang="en-US">Other real estate write downs.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_OutstandingLoansByRiskCategoryTableTextBlock" xlink:to="sfst_OutstandingLoansByRiskCategoryTableTextBlock_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_OutstandingLoansByRiskCategoryTableTextBlock_doc" xml:lang="en-US">Outstanding commercial and consumer loans by risk category.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_OwnerOccupiedReMember" xlink:to="sfst_OwnerOccupiedReMember_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_OwnerOccupiedReMember_doc" xml:lang="en-US">Owner occupied Real Estate.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_PartOfLoansOfThirtyDaysOrMorePastDueAsPercentageOfAggregateLoanPortfolio" xlink:to="sfst_PartOfLoansOfThirtyDaysOrMorePastDueAsPercentageOfAggregateLoanPortfolio_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_PartOfLoansOfThirtyDaysOrMorePastDueAsPercentageOfAggregateLoanPortfolio_doc" xml:lang="en-US">Part of loans of thirty days or more past due as a percentage of aggregate loan portfolio.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_PercentageOfLoansCollateralByRealEstate" xlink:to="sfst_PercentageOfLoansCollateralByRealEstate_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_PercentageOfLoansCollateralByRealEstate_doc" xml:lang="en-US">Percentage of company's loans collateral by real estate.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_PercentageOfLondonInterbankOfferedRate" xlink:to="sfst_PercentageOfLondonInterbankOfferedRate_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_PercentageOfLondonInterbankOfferedRate_doc" xml:lang="en-US">Percentage of London Interbank Offered Rate.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_PeriodOfEmploymentAgreement" xlink:to="sfst_PeriodOfEmploymentAgreement_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_PeriodOfEmploymentAgreement_doc" xml:lang="en-US">Period of Employment agreement.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_ProceedsFromExerciseOfStockOptionsAndWarrants" xlink:to="sfst_ProceedsFromExerciseOfStockOptionsAndWarrants_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_ProceedsFromExerciseOfStockOptionsAndWarrants_doc" xml:lang="en-US">The cash inflow associated with the amount received from holders exercising their stock options and warrants.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_ProfitSharingAndFourHundredOneKPlanMember" xlink:to="sfst_ProfitSharingAndFourHundredOneKPlanMember_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_ProfitSharingAndFourHundredOneKPlanMember_doc" xml:lang="en-US">Profit sharing and 401(k) plan.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_PropertyManagementServicesExpense" xlink:to="sfst_PropertyManagementServicesExpense_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_PropertyManagementServicesExpense_doc" xml:lang="en-US">The amount of expense derived from property management services.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_QuarterlyFinancialInformationDisclosureLineItems" xlink:to="sfst_QuarterlyFinancialInformationDisclosureLineItems_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_QuarterlyFinancialInformationDisclosureLineItems_doc" xml:lang="en-US">Quarterly financial information disclosure [Line Items]</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_QuarterlyFinancialInformationDisclosureTable" xlink:to="sfst_QuarterlyFinancialInformationDisclosureTable_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_QuarterlyFinancialInformationDisclosureTable_doc" xml:lang="en-US">Quarterly financial in formation disclosure [Table]</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_QuarterlyFinancialInformationMember" xlink:to="sfst_QuarterlyFinancialInformationMember_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_QuarterlyFinancialInformationMember_doc" xml:lang="en-US">Quarterly Financial Information [Member]</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_RealEstateLoanPercentageOfAggregateLoan" xlink:to="sfst_RealEstateLoanPercentageOfAggregateLoan_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_RealEstateLoanPercentageOfAggregateLoan_doc" xml:lang="en-US">Real estate loan percentage of aggregate loan.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_RedemptionOfPreferredStock" xlink:to="sfst_RedemptionOfPreferredStock_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_RedemptionOfPreferredStock_doc" xml:lang="en-US">Redemption of preferred stock.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_ReducedOrDeferredPayments" xlink:to="sfst_ReducedOrDeferredPayments_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_ReducedOrDeferredPayments_doc" xml:lang="en-US">Reduced or deferred payments.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_RenewalsDeemedConcession" xlink:to="sfst_RenewalsDeemedConcession_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_RenewalsDeemedConcession_doc" xml:lang="en-US">Renewals deemed concession.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_RestoredNonaccrualLoans" xlink:to="sfst_RestoredNonaccrualLoans_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_RestoredNonaccrualLoans_doc" xml:lang="en-US">Restored nonaccrual loans.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_RestrictedStockPlanMember" xlink:to="sfst_RestrictedStockPlanMember_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_RestrictedStockPlanMember_doc" xml:lang="en-US">Restricted stock plan.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_SbaSecuritiesMember" xlink:to="sfst_SbaSecuritiesMember_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_SbaSecuritiesMember_doc" xml:lang="en-US">Sbs securities.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_ScheduleOfEstimatedUsefulLivesOfPropertyPlantAndEquipmentTableTextBlock" xlink:to="sfst_ScheduleOfEstimatedUsefulLivesOfPropertyPlantAndEquipmentTableTextBlock_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_ScheduleOfEstimatedUsefulLivesOfPropertyPlantAndEquipmentTableTextBlock_doc" xml:lang="en-US">Schedule of estimated useful lives of property plant and equipment.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_ScheduledMaturitiesOfCertificatesOfDepositTableTextBlock" xlink:to="sfst_ScheduledMaturitiesOfCertificatesOfDepositTableTextBlock_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_ScheduledMaturitiesOfCertificatesOfDepositTableTextBlock_doc" xml:lang="en-US">Tabular disclosure for scheduled maturities of certificates of deposit.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_SecuritiesAvailableForSaleFairValueSbaSecurities" xlink:to="sfst_SecuritiesAvailableForSaleFairValueSbaSecurities_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_SecuritiesAvailableForSaleFairValueSbaSecurities_doc" xml:lang="en-US">Securities Available for Sale, Fair value, SBA Securities.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_SecuritiesAvailableForSaleFairValueStateAndPoliticalSubdivisions" xlink:to="sfst_SecuritiesAvailableForSaleFairValueStateAndPoliticalSubdivisions_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_SecuritiesAvailableForSaleFairValueStateAndPoliticalSubdivisions_doc" xml:lang="en-US">Securities Available for Sale, Fair value, State and political subdivisions.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_SecuritiesAvailableForSaleFairValueUsAgencySecurities" xlink:to="sfst_SecuritiesAvailableForSaleFairValueUsAgencySecurities_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_SecuritiesAvailableForSaleFairValueUsAgencySecurities_doc" xml:lang="en-US">Securities Available for Sale, Fair value, US agency securities.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_SecuritiesPledgedToSecureClientDeposit" xlink:to="sfst_SecuritiesPledgedToSecureClientDeposit_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_SecuritiesPledgedToSecureClientDeposit_doc" xml:lang="en-US">Securities pledged to secure client deposit.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_ServiceFeesonDepositAccounts" xlink:to="sfst_ServiceFeesonDepositAccounts_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_ServiceFeesonDepositAccounts_doc" xml:lang="en-US">Includes amounts charged depositors for: (1) maintenance of their accounts (maintenance charges); (2) failure to maintain specified minimum balances on account; (3) exceeding the number of checks or transactions allowed to be processed in a given period; (4) checks drawn on no minimum balance deposit accounts; (5) withdrawals from nontransaction deposit accounts; (6) closing savings accounts before a specified minimum period of time has elapsed; (7) accounts which have remained inactive for extended periods of time or which have become dormant; (8) use of automated teller machines or remote service units; (9) checks drawn against insufficient funds that the bank assesses regardless of whether it decides to pay, return or hold the check; (10) issuing stop payment orders; (11) certifying checks; and (12) accumulating or disbursing funds deposited in IRAs or Keogh Plan accounts when not handled by the bank's trust department. This item does not include penalties assessed on the early withdrawal of time deposits.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_SharesIssuedUnderProvisionOfIssuanceOfSharesOfRestrictedStock" xlink:to="sfst_SharesIssuedUnderProvisionOfIssuanceOfSharesOfRestrictedStock_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_SharesIssuedUnderProvisionOfIssuanceOfSharesOfRestrictedStock_doc" xml:lang="en-US">Shares issued under provision of issuance of shares of restricted stock.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_StockBasedCompensationTextualAbstract" xlink:to="sfst_StockBasedCompensationTextualAbstract_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_StockBasedCompensationTextualAbstract_doc" xml:lang="en-US">Stock-Based Compensation textual.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_SummaryOfAllowanceForLoanLossesByCommercialAndConsumerPortfolioSegmentsTableTextBlock" xlink:to="sfst_SummaryOfAllowanceForLoanLossesByCommercialAndConsumerPortfolioSegmentsTableTextBlock_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_SummaryOfAllowanceForLoanLossesByCommercialAndConsumerPortfolioSegmentsTableTextBlock_doc" xml:lang="en-US">Summary of allowance for loan losses by commercial and consumer portfolio segments.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_SummaryOfAverageRecordedInvestmentInImpairedLoansAndAmountOfInterestIncomeTableTextBlock" xlink:to="sfst_SummaryOfAverageRecordedInvestmentInImpairedLoansAndAmountOfInterestIncomeTableTextBlock_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_SummaryOfAverageRecordedInvestmentInImpairedLoansAndAmountOfInterestIncomeTableTextBlock_doc" xml:lang="en-US">Summary of average recorded investment in impaired loans and the amount of interest income.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_SupplementalExecutiveRetirementPlanMember" xlink:to="sfst_SupplementalExecutiveRetirementPlanMember_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_SupplementalExecutiveRetirementPlanMember_doc" xml:lang="en-US">A nonqualified deferred compensation plan in the form of a Supplemental Executive Retirement Plan (SERP).</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_TierOneRiskBasedCommonStock" xlink:to="sfst_TierOneRiskBasedCommonStock_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_TierOneRiskBasedCommonStock_doc" xml:lang="en-US">Tier 1 Risk Based Common Stock as defined in the regulations.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_TierOneRiskBasedCommonStockRequiredForCapitalAdequacy" xlink:to="sfst_TierOneRiskBasedCommonStockRequiredForCapitalAdequacy_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_TierOneRiskBasedCommonStockRequiredForCapitalAdequacy_doc" xml:lang="en-US">The minimum amount of Tier 1 Risk Based Common Stock required for capital adequacy purposes under the regulatory framework for prompt corrective action.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_TierOneRiskBasedCommonStockRequiredForCapitalAdequacyToRiskWeightedAssets" xlink:to="sfst_TierOneRiskBasedCommonStockRequiredForCapitalAdequacyToRiskWeightedAssets_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_TierOneRiskBasedCommonStockRequiredForCapitalAdequacyToRiskWeightedAssets_doc" xml:lang="en-US">The minimum Tier One Common Stock Ratio (Tier one common stock divided by risk-weighted assets) required for capital adequacy purposes under the regulatory framework for prompt corrective action.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_TierOneRiskBasedCommonStockRequiredToBeWellCapitalized" xlink:to="sfst_TierOneRiskBasedCommonStockRequiredToBeWellCapitalized_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_TierOneRiskBasedCommonStockRequiredToBeWellCapitalized_doc" xml:lang="en-US">The amount of Tier 1 Risk Based Common Stock required to be categorized as well capitalized under the regulatory framework for prompt corrective action.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_TierOneRiskBasedCommonStockRequiredToBeWellCapitalizedToRiskWeightedAssets" xlink:to="sfst_TierOneRiskBasedCommonStockRequiredToBeWellCapitalizedToRiskWeightedAssets_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_TierOneRiskBasedCommonStockRequiredToBeWellCapitalizedToRiskWeightedAssets_doc" xml:lang="en-US">The Tier 1 common stock ratio (Tier 1 common stock divided by risk weighted assets) required to be categorized as "well capitalized" under the regulatory framework for prompt corrective action.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_TierOneRiskBasedCommonStockToRiskWeightedAssets" xlink:to="sfst_TierOneRiskBasedCommonStockToRiskWeightedAssets_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_TierOneRiskBasedCommonStockToRiskWeightedAssets_doc" xml:lang="en-US">Tier 1 Common Stock divided by risk weighted assets as defined by regulations.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_TimeDeposit100000OrMoreDomestic" xlink:to="sfst_TimeDeposit100000OrMoreDomestic_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_TimeDeposit100000OrMoreDomestic_doc" xml:lang="en-US">The aggregate amount of domestic time deposits (including certificates of deposits, individual retirement accounts and open accounts) in denominations of $100,000 or more.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_TimeDepositMaturitiesYearFiveAndAfterYearFive" xlink:to="sfst_TimeDepositMaturitiesYearFiveAndAfterYearFive_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_TimeDepositMaturitiesYearFiveAndAfterYearFive_doc" xml:lang="en-US">Amount of time deposits maturing in fifth fiscal year and after the fifth fiscal year following the latest fiscal year. Time deposits include, but are not limited to, certificates of deposits, individual retirement accounts and open accounts.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_TimeDepositsObtainedOutsideOfPrimaryMarket" xlink:to="sfst_TimeDepositsObtainedOutsideOfPrimaryMarket_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_TimeDepositsObtainedOutsideOfPrimaryMarket_doc" xml:lang="en-US">Amount of time deposits that were obtained outside of the company's primary market.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_TroubledDebtRestructuringTextBlock" xlink:to="sfst_TroubledDebtRestructuringTextBlock_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_TroubledDebtRestructuringTextBlock_doc" xml:lang="en-US">Disclosure of the accounting policy for loan agreements whose terms have been modified because of the inability of the borrower for financial reasons to comply with the terms of the original loan agreement. A creditor discloses material facts pertaining to significant modifications.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_TroubledDebtRestructuringsTextualAbstract" xlink:to="sfst_TroubledDebtRestructuringsTextualAbstract_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_TroubledDebtRestructuringsTextualAbstract_doc" xml:lang="en-US">It covers narrative parts of troubled debt restructurings note.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_TwoThousandSixteenEquityIncentivePlanMember" xlink:to="sfst_TwoThousandSixteenEquityIncentivePlanMember_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_TwoThousandSixteenEquityIncentivePlanMember_doc" xml:lang="en-US">Two Thousand Sixteen Equity Incentive Plan [Member]</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_TwoThousandTenIncentivePlanMember" xlink:to="sfst_TwoThousandTenIncentivePlanMember_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_TwoThousandTenIncentivePlanMember_doc" xml:lang="en-US">Two thousand ten incentive plan.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_UnfundedCommitmentsToExtendCredit" xlink:to="sfst_UnfundedCommitmentsToExtendCredit_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_UnfundedCommitmentsToExtendCredit_doc" xml:lang="en-US">Unfunded commitments to extend credit.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_UnfundedCommitmentsToExtendCreditAtFixedRate" xlink:to="sfst_UnfundedCommitmentsToExtendCreditAtFixedRate_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_UnfundedCommitmentsToExtendCreditAtFixedRate_doc" xml:lang="en-US">Unfunded commitments to extend credit at fixed rate.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_UnfundedCommitmentsToExtendCreditAtVariableRate" xlink:to="sfst_UnfundedCommitmentsToExtendCreditAtVariableRate_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_UnfundedCommitmentsToExtendCreditAtVariableRate_doc" xml:lang="en-US">Unfunded commitments to extend credit at variable rate.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_UnrealizedGainLossOnSecuritiesNetOfIncomeTaxes" xlink:to="sfst_UnrealizedGainLossOnSecuritiesNetOfIncomeTaxes_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_UnrealizedGainLossOnSecuritiesNetOfIncomeTaxes_doc" xml:lang="en-US">Noncash is defined as information about all investing and financing activities of an enterprise during a period that affect recognized assets or liabilities but that do not result in cash receipts or cash payments in the period. "Part noncash" refers to that portion of the transaction not resulting in cash receipts or cash payments in the period.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_UnusedLinesOfCreditTextBlock" xlink:to="sfst_UnusedLinesOfCreditTextBlock_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_UnusedLinesOfCreditTextBlock_doc" xml:lang="en-US">The entire disclosure for Unused lines of credit.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_WriteDownOfOtherRealEstateOwned" xlink:to="sfst_WriteDownOfOtherRealEstateOwned_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_WriteDownOfOtherRealEstateOwned_doc" xml:lang="en-US">Represents the amount of any write-down provided in the period on a other real estate owned.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_OperatingLeasePayment" xlink:to="sfst_OperatingLeasePayment_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_OperatingLeasePayment_doc" xml:lang="en-US">Net change in operating leases.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_OperatingLeases" xlink:to="sfst_OperatingLeases_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_OperatingLeases_doc" xml:lang="en-US">Operating leases.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_LossOnExtinguishmentOfDebt" xlink:to="sfst_LossOnExtinguishmentOfDebt_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_LossOnExtinguishmentOfDebt_doc" xml:lang="en-US">Loss on extinguishment of debt.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_DiscountEffectOfCashFlows" xlink:to="sfst_DiscountEffectOfCashFlows_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_DiscountEffectOfCashFlows_doc" xml:lang="en-US">The discount effect of cash flow.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_MaturitiesOfLeaseLiabilitiesTableTextBlock" xlink:to="sfst_MaturitiesOfLeaseLiabilitiesTableTextBlock_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_MaturitiesOfLeaseLiabilitiesTableTextBlock_doc" xml:lang="en-US">Tabular disclosure of Maturities of lease liabilities.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_DeferredTaxAssetsLeaseLiabilities" xlink:to="sfst_DeferredTaxAssetsLeaseLiabilities_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_DeferredTaxAssetsLeaseLiabilities_doc" xml:lang="en-US">Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from a gain reported for tax purposes on lease liabilities.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_DeferredTaxLiabilitiesRightOfUseAssets" xlink:to="sfst_DeferredTaxLiabilitiesRightOfUseAssets_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_DeferredTaxLiabilitiesRightOfUseAssets_doc" xml:lang="en-US">Amount of deferred tax liability attributable to taxable temporary differences from right of use assets.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_CompanyMember" xlink:to="sfst_CompanyMember_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_CompanyMember_doc" xml:lang="en-US">Company [Member]</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_DerivativesNotionalAmount" xlink:to="sfst_DerivativesNotionalAmount_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_DerivativesNotionalAmount_doc" xml:lang="en-US">Aggregate notional amount specified by the derivative(s). Expressed as an absolute value.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_TrustPreferredSecuritiesIssuedAtFloatingRate" xlink:to="sfst_TrustPreferredSecuritiesIssuedAtFloatingRate_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_TrustPreferredSecuritiesIssuedAtFloatingRate_doc" xml:lang="en-US">Amount of trust preferred securities issued at floating rate.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_PropertyDevelopmentAndAdvisoryFees" xlink:to="sfst_PropertyDevelopmentAndAdvisoryFees_doc" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="sfst_PropertyDevelopmentAndAdvisoryFees_doc" xml:lang="en-US">Property development and advisory fees.</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CashCashEquivalentsAndFederalFundsSold" xlink:to="us-gaap_CashCashEquivalentsAndFederalFundsSold_3_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CashCashEquivalentsAndFederalFundsSold_3_lbl" xml:lang="en-US">Cash, Cash Equivalents, and Federal Funds Sold</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_MarketableSecurities" xlink:to="us-gaap_MarketableSecurities_2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_MarketableSecurities_2_lbl" xml:lang="en-US">Marketable Securities</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LoansAndLeasesReceivableAllowance" xlink:to="us-gaap_LoansAndLeasesReceivableAllowance_3_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LoansAndLeasesReceivableAllowance_3_lbl" xml:lang="en-US">Loans and Leases Receivable, Allowance</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_Assets" xlink:to="us-gaap_Assets_3_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_Assets_3_lbl" xml:lang="en-US">Assets [Default Label]</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_Liabilities" xlink:to="us-gaap_Liabilities_2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_Liabilities_2_lbl" xml:lang="en-US">Liabilities [Default Label]</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="sfst_NonvestedRestrictedStockValue" xlink:to="sfst_NonvestedRestrictedStockValue_3_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_NonvestedRestrictedStockValue_3_lbl" xml:lang="en-US">Nonvested Restricted Stock, Value</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestAndFeeIncomeLoansAndLeases" xlink:to="us-gaap_InterestAndFeeIncomeLoansAndLeases_2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InterestAndFeeIncomeLoansAndLeases_2_lbl" xml:lang="en-US">Interest and Fee Income, Loans and Leases</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestAndDividendIncomeOperating" xlink:to="us-gaap_InterestAndDividendIncomeOperating_3_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InterestAndDividendIncomeOperating_3_lbl" xml:lang="en-US">Interest and Dividend Income, Operating</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestExpenseDeposits" xlink:to="us-gaap_InterestExpenseDeposits_2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InterestExpenseDeposits_2_lbl" xml:lang="en-US">Interest Expense, Deposits</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestExpense" xlink:to="us-gaap_InterestExpense_3_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InterestExpense_3_lbl" xml:lang="en-US">Interest Expense</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss" xlink:to="us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_2_lbl" xml:lang="en-US">Interest Income (Expense), after Provision for Loan Loss</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NoninterestIncome" xlink:to="us-gaap_NoninterestIncome_3_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NoninterestIncome_3_lbl" xml:lang="en-US">Noninterest Income</link:label>
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      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsToAcquireAvailableForSaleSecurities" xlink:to="us-gaap_PaymentsToAcquireAvailableForSaleSecurities_2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PaymentsToAcquireAvailableForSaleSecurities_2_lbl" xml:lang="en-US">Payments to Acquire Available-for-sale Securities</link:label>
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      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsToAcquireLifeInsurancePolicies" xlink:to="us-gaap_PaymentsToAcquireLifeInsurancePolicies_2_lbl" xlink:type="arc" />
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      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:to="us-gaap_CashAndCashEquivalentsAtCarryingValue_3_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CashAndCashEquivalentsAtCarryingValue_3_lbl" xml:lang="en-US">Cash and Cash Equivalents, at Carrying Value</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DepositLiabilitiesDisclosuresTextBlock" xlink:to="us-gaap_DepositLiabilitiesDisclosuresTextBlock_2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DepositLiabilitiesDisclosuresTextBlock_2_lbl" xml:lang="en-US">Deposit Liabilities Disclosures [Text Block]</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InvestmentPolicyTextBlock" xlink:to="us-gaap_InvestmentPolicyTextBlock_2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InvestmentPolicyTextBlock_2_lbl" xml:lang="en-US">Investment, Policy [Policy Text Block]</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinanceLoansAndLeasesReceivablePolicy" xlink:to="us-gaap_FinanceLoansAndLeasesReceivablePolicy_2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FinanceLoansAndLeasesReceivablePolicy_2_lbl" xml:lang="en-US">Financing Receivable [Policy Text Block]</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RealEstatePolicyTextBlock" xlink:to="us-gaap_RealEstatePolicyTextBlock_2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_RealEstatePolicyTextBlock_2_lbl" xml:lang="en-US">Real Estate, Policy [Policy Text Block]</link:label>
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PropertyPlantAndEquipmentPolicyTextBlock" xlink:to="us-gaap_PropertyPlantAndEquipmentPolicyTextBlock_2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PropertyPlantAndEquipmentPolicyTextBlock_2_lbl" xml:lang="en-US">Property, Plant and Equipment, Policy [Policy Text Block]</link:label>
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      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis" xlink:to="us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_2_lbl" xlink:type="arc" />
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      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CertificatesOfDepositAtCarryingValue" xlink:to="us-gaap_CertificatesOfDepositAtCarryingValue_2_lbl" xlink:type="arc" />
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      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment" xlink:to="us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment_2_lbl" xlink:type="arc" />
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      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OperatingLeasesFutureMinimumPaymentsDue" xlink:to="us-gaap_OperatingLeasesFutureMinimumPaymentsDue_2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OperatingLeasesFutureMinimumPaymentsDue_2_lbl" xml:lang="en-US">Operating Leases, Future Minimum Payments Due</link:label>
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_DiscountEffectOfCashFlows_3_lbl" xml:lang="en-US">Discount Effect Of Cash Flows</link:label>
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="sfst_ImpairedLoansFairValue_3_lbl" xml:lang="en-US">Impaired Loans, Fair Value</link:label>
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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.CAL
<SEQUENCE>12
<FILENAME>sfst-20191231_cal.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION CALCULATION LINKBASE
<TEXT>
<XBRL>
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6811945728">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Parent Company Financial Information<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2019</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract', window );"><strong>Condensed Financial Information Disclosure [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock', window );">Parent Company Financial Information</a></td>
<td class="text"><div><p style="text-align: justify"><b><font style="font: x-small Arial">NOTE 25 &#8211; Parent Company Financial Information</font></b></p>

<p style="text-align: justify"><font style="font: x-small Arial">Following is condensed financial information of Southern First Bancshares, Inc. (parent company only):</font></p>

<p style="text-align: center"><b><i><font style="font: x-small Arial">Condensed Balance Sheets</font></i></b></p>

<table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 100%">

<tr style="vertical-align: bottom">
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 95%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="4" style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">December 31,</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 95%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">(dollars in thousands)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial"></font></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: left; text-align: right"><b><font style="font: xx-small Arial">2019</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2018</font></b></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 95%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial">Assets</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial"></font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 95%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Cash and cash equivalents</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,753</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">5,389</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 95%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Investment in subsidiaries</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">234,310</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">181,919</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 95%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Other assets</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">6</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">19</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 95%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total assets</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">242,069</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">187,327</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 95%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial">Liabilities and Shareholders&#8217; Equity</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial"></font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 95%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Accounts payable and accrued expenses</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">319</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">8</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 95%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Subordinated debentures</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">35,890</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">13,403</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; width: 95%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Shareholders&#8217; equity</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">205,860</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">173,916</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1.5pt solid; padding-left: 15pt; width: 95%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total liabilities and shareholders&#8217; equity</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">242,069</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">187,327</font></td></tr>


</table>






<p style="text-align: center"><b><i><font style="font: x-small Arial">Condensed Statements of Income</font></i></b></p>

<table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 100%">


<tr style="vertical-align: bottom">
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td></tr>


<tr style="vertical-align: bottom">

   <td style="width: 90%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="8" style="border-bottom: Black 1pt solid; width: 8%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">For the years ended December 31,</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right">&#160;</td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 90%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">(dollars in thousands)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial"></font></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2019</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2018</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2017</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 90%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial">Revenues</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial"></font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 90%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Interest income</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">13</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">9</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">11</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 90%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Total revenue</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">13</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">9</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">11</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 90%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial">Expenses</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial"></font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 90%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Interest expense</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">929</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">592</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">514</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 90%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Other expenses</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">240</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">240</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">246</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 90%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Total expenses</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,169</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">832</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">760</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 90%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Income tax benefit</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">243</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">173</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">262</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 90%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Loss before equity in undistributed net income of subsidiaries</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(913</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(650</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(487</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 90%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Equity in undistributed net income of subsidiaries</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">28,771</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">22,939</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">13,532</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1.5pt solid; padding-left: 15pt; width: 90%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Net income</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">27,858</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">22,289</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">13,045</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td></tr>


</table>


<p style="text-align: center"><b><i><font style="font: x-small Arial">Condensed Statements of Cash Flows</font></i></b></p>

<table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 100%">

<tr style="vertical-align: bottom">
   <td style="border-top: Black 1.5pt solid; padding-left: 15pt; text-align: left; text-indent: -15pt; width: 90%">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right; width: 1%">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right; width: 1%">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right; width: 1%">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right; width: 1%">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%">&#160;</td></tr>

<tr style="vertical-align: bottom">

   <td style="text-align: left; padding-left: 15pt; text-indent: -15pt"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td colspan="8" style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">For the years ended December 31,</font></b></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; padding-left: 15pt; text-align: left; text-indent: -15pt"><font style="font: xx-small Arial">(dollars in thousands)</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><font style="font: xx-small Arial"></font></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2019</font></b></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2018</font></b></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2017</font></b></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="text-align: left; padding-left: 15pt; text-indent: -15pt"><b><font style="font: x-small Arial">Operating activities</font></b></td>

   <td style="white-space: nowrap; text-align: left"><b><font style="font: x-small Arial"></font></b></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="text-indent: -15pt; text-align: left; padding-left: 30pt"><font style="font: x-small Arial">Net income</font></td>

   <td style="white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">27,858</font></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">22,289</font></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">13,045</font></td>

   <td style="white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="text-indent: -15pt; text-align: left; padding-left: 30pt"><font style="font: x-small Arial">Adjustments to reconcile net income to cash provided by (used for) operating activities</font></td>

   <td style="white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td></tr>


<tr style="vertical-align: bottom">

   <td style="text-align: left; padding-left: 45pt; text-indent: -15pt"><font style="font: x-small Arial">Equity in undistributed net income of subsidiaries</font></td>

   <td style="white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">(28,771</font></td>

   <td style="white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">(22,939</font></td>

   <td style="white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">(13,532</font></td>

   <td style="white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="text-align: left; padding-left: 45pt; text-indent: -15pt"><font style="font: x-small Arial">Compensation expense related to stock options and restricted stock grants</font></td>

   <td style="white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,698</font></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,502</font></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,258</font></td>

   <td style="white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="text-align: left; padding-left: 45pt; text-indent: -15pt"><font style="font: x-small Arial">(Increase) decrease in other assets</font></td>

   <td style="white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">12</font></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">12</font></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,772</font></td>

   <td style="white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; text-align: left; padding-left: 45pt; text-indent: -15pt"><font style="font: x-small Arial">Increase (decrease) in accounts payable and accrued expenses</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(202</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; text-align: left; padding-left: 60pt; text-indent: -15pt"><font style="font: x-small Arial">Net cash provided by operating activities</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">595</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">866</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3,545</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="text-align: left; padding-left: 15pt; text-indent: -15pt"><b><font style="font: x-small Arial">Investing activities</font></b></td>

   <td style="white-space: nowrap; text-align: left"><b><font style="font: x-small Arial"></font></b></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; text-align: left; padding-left: 45pt; text-indent: -15pt"><font style="font: x-small Arial">Investment in subsidiaries, net</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(27,334</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; text-align: left; padding-left: 60pt; text-indent: -15pt"><font style="font: x-small Arial">Net cash used for investing activities</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(27,334</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="text-align: left; padding-left: 15pt; text-indent: -15pt"><b><font style="font: x-small Arial">Financing activities</font></b></td>

   <td style="white-space: nowrap; text-align: left"><b><font style="font: x-small Arial"></font></b></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="text-align: left; padding-left: 45pt; text-indent: -15pt"><font style="font: x-small Arial">Issuance of common stock</font></td>

   <td style="white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">24,758</font></td>

   <td style="white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; text-align: left; padding-left: 45pt; text-indent: -15pt"><font style="font: x-small Arial">Proceeds from the exercise of stock options and warrants</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,769</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">900</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">705</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; text-align: left; padding-left: 60pt; text-indent: -15pt"><font style="font: x-small Arial">Net cash provided by financing activities</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,769</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">900</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">25,463</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="text-align: left; padding-left: 60pt; text-indent: -15pt"><font style="font: x-small Arial">Net increase (decrease) in cash and cash equivalents</font></td>

   <td style="white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,364</font></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,766</font></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,674</font></td>

   <td style="white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; text-align: left; padding-left: 15pt; text-indent: -15pt"><b><font style="font: x-small Arial">Cash and cash equivalents, beginning of year</font></b></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">5,389</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3,623</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,949</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1.5pt solid; padding-left: 15pt; text-align: left; text-indent: -15pt"><b><font style="font: x-small Arial">Cash and cash equivalents, end of year</font></b></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial"></font></b></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,753</font></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">5,389</font></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3,623</font></td>

   </tr></table></div><span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for condensed financial information, including the financial position, cash flows, and the results of operations of the registrant (parent company) as of the same dates or for the same periods for which audited consolidated financial statements are being presented. Alternatively, the details of this disclosure can be reported by the specific parent company taxonomy elements, indicating the appropriate date and period contexts in an instance document.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.12-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e24072-122690<br><br>Reference 2: http://www.xbrl.org/2003/role/recommendedDisclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 45<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=108774443&amp;loc=d3e5283-111683<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6911112544">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Loans and Allowance for Loan Losses (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2019</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Loss [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock', window );">Summary of composition of loan portfolio</a></td>
<td class="text"><div><p style="text-align: justify"><font style="font: x-small Arial">The following table summarizes the composition of our loan portfolio. Total gross loans are recorded net of deferred loan fees and costs, which totaled $3.3 million and $2.8 million as of December 31, 2019 and December 31, 2018, respectively.</font></p>

<table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse">
<tr style="vertical-align: bottom">
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td></tr>


<tr style="vertical-align: bottom">

   <td style="width: 89%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="10" style="border-bottom: Black 1pt solid; width: 10%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">December 31,</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 89%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">(dollars in thousands)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2019</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2018</font></b></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 89%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial">Commercial</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial"></font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 89%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Owner occupied RE</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">407,851</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">21.0%</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">367,018</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">21.9%</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 89%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Non-owner occupied RE</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">501,878</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">25.8%</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">404,296</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">24.1%</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 89%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Construction</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">80,486</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4.1%</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">84,411</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">5.0%</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 89%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Business</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">308,123</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">15.9%</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">272,980</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">16.3%</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 89%; white-space: nowrap; text-align: left; padding-left: 30pt"><font style="font: x-small Arial">Total commercial loans</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,298,338</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">66.8%</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,128,705</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">67.3%</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 89%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial">Consumer</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial"></font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 89%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Real estate</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">398,245</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">20.5%</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">320,943</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">19.1%</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 89%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Home equity</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">179,738</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">9.3%</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">165,937</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">9.9%</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 89%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Construction</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">41,471</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2.1%</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">37,925</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2.3%</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 89%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Other</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">25,733</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1.3%</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">23,822</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1.4%</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 89%; white-space: nowrap; text-align: left; padding-left: 30pt"><font style="font: x-small Arial">Total consumer loans</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">645,187</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">33.2%</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">548,627</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">32.7%</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 89%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Total gross loans, net of deferred fees</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,943,525</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">100.0%</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,677,332</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">100.0%</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 89%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Less &#8211; allowance for loan losses</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(16,642</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(15,762</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1.5pt solid; padding-left: 15pt; width: 89%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total loans, net</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,926,883</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,661,570</font></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_LoanReceivableByRateTypeTableTextBlock', window );">Composition of gross loans by rate type</a></td>
<td class="text"><div><p style="text-align: justify"><font style="font: x-small Arial">The composition of gross loans by rate type is as follows:</font></p>

<table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse">


<tr style="vertical-align: bottom">
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td></tr>


<tr style="vertical-align: bottom">

   <td style="width: 95%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="4" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">December 31,</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 95%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">(dollars in thousands)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial"></font></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2019</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2018</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 95%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial">Variable rate loans</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">432,540</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">402,148</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 95%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Fixed rate loans</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,510,985</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,275,184</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 95%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,943,525</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,677,332</font></td></tr></table></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock', window );">Summary of nonperforming assets, including nonaccruing TDRs</a></td>
<td class="text"><div><p style="text-align: justify"><font style="font: x-small Arial">The following table shows the nonperforming
assets and the related percentage of nonperforming assets to total assets and gross loans. Generally, a loan is placed on nonaccrual
status when it becomes 90 days past due as to principal or interest, or when we believe, after considering economic and business
conditions and collection efforts, that the borrower&#8217;s financial condition is such that collection of the contractual principal
or interest on the loan is doubtful. A payment of interest on a loan that is classified as nonaccrual is recognized as a reduction
in principal when received.</font></p>

<table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse">



<tr style="vertical-align: bottom">

   <td style="border-top: Black 1.5pt solid; width: 93%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="4" style="border-top: Black 1.5pt solid; width: 6%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">&#160;</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 93%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none">&#160;&#160;&#160;&#160;&#160; </td>

   <td colspan="4" style="border-bottom: Black 1pt solid; width: 6%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">December 31,</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 93%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">(dollars in thousands)</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2019</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160; </td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2018</font></b></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 93%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial">Commercial</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 93%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Owner occupied RE</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;$</font></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 93%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Non-owner occupied RE</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">188</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">210</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 93%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Construction</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 93%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Business</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">235</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">81</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 93%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial">Consumer</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 93%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Real estate</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,829</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,980</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 93%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Home equity</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">431</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,006</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 93%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Construction</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 93%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Other</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">12</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; width: 93%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Nonaccruing troubled debt restructurings</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4,111</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,541</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 93%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total nonaccrual loans, including nonaccruing TDRs</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">6,794</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">5,830</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; width: 93%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Other real estate owned</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1.5pt solid; width: 93%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total nonperforming assets</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">6,794</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">5,830</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 93%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Nonperforming assets as a percentage of:</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 93%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Total assets</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">0.30%</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">0.31%</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 93%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Gross loans</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">0.35%</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">0.35%</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 93%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total loans over 90 days past due</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,038</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">458</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 93%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Loans over 90 days past due and still accruing</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1.5pt solid; width: 93%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Accruing TDRs</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">5,219</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">6,742</font></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivablesTableTextBlock', window );">Summary of key information for impaired loans</a></td>
<td class="text"><div><p style="text-align: justify"><font style="font: x-small Arial">The table below summarizes key information for impaired loans. Our impaired loans include loans on nonaccrual status and loans modified in a TDR, whether on accrual or nonaccrual status. These impaired loans may have estimated impairment which is included in the allowance for loan losses. Our commercial and consumer impaired loans are evaluated individually to determine the related allowance for loan losses.</font></p>

<table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse">



<tr style="vertical-align: bottom">

   <td style="border-top: Black 1.5pt solid; width: 79%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td colspan="3" style="border-top: Black 1.5pt solid; width: 7%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">&#160;</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td colspan="3" style="border-bottom: Black 1pt solid; width: 7%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">December 31, 2019</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td colspan="3" style="border-bottom: Black 1pt solid; width: 7%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Recorded investment</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Impaired loans</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Impaired loans</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td colspan="2" style="width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Unpaid</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">with no related</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">with related</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Related</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td colspan="2" style="width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Principal</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Impaired</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">allowance for</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">allowance for</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">allowance for</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">(dollars in thousands)</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160; </td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Balance</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160; </td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">loans</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160; </td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">loan losses</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160; </td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">loan losses</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160; </td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">loan losses</font></b></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 79%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial">Commercial</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Owner occupied RE</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;$</font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,791</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,726</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,270</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">456</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">75</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Non-owner occupied RE</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4,512</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4,051</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,419</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,632</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">465</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Construction</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Business</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,620</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,531</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">558</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">973</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">452</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; padding-left: 30pt; width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total commercial</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">8,923</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">8,308</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">5,247</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3,061</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">992</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 79%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial">Consumer</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Real estate</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,727</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,720</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,638</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,082</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">364</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Home equity</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">885</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">838</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">459</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">379</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">66</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Construction</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Other</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">147</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">147</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">147</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">16</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; padding-left: 30pt; width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total consumer</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3,759</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3,705</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,097</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,608</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">446</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1.5pt solid; padding-left: 45pt; width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">12,682</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">12,013</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,344</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4,669</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,438</font></td></tr></table>


<p style="text-align: center"></p>

<table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse">



<tr style="vertical-align: bottom">

   <td style="border-top: Black 1.5pt solid; width: 79%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td colspan="3" style="border-top: Black 1.5pt solid; width: 7%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">&#160;</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td colspan="3" style="border-bottom: Black 1pt solid; width: 7%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">December 31, 2018</font></b></td></tr>
<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td colspan="3" style="border-bottom: Black 1pt solid; width: 7%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Recorded investment</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Impaired loans</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Impaired loans</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td colspan="2" style="width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Unpaid</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">with no related</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">with related</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Related</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td colspan="2" style="width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Principal</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Impaired</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">allowance for</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">allowance for</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">allowance for</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">(dollars in thousands)</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160; </td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Balance</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160; </td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">loans</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160; </td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">loan losses</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160; </td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">loan losses</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160; </td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">loan losses</font></b></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 79%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial">Commercial</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Owner occupied RE</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,827</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,762</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,311</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">451</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">75</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Non-owner occupied RE</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3,321</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,807</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">603</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,204</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">558</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Construction</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Business</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3,745</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,520</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">515</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,005</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">895</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; padding-left: 30pt; width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total commercial</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">9,893</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">8,089</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3,429</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4,660</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,528</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 79%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial">Consumer</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Real estate</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,993</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,892</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,494</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,398</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">456</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Home equity</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,935</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,421</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,421</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Construction</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Other</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">170</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">170</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">170</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">30</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; padding-left: 30pt; width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total consumer</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">5,098</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4,483</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,915</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,568</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">486</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1.5pt solid; padding-left: 45pt; width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">14,991</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">12,572</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">6,344</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">6,228</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,014</font></td></tr></table></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_SummaryOfAverageRecordedInvestmentInImpairedLoansAndAmountOfInterestIncomeTableTextBlock', window );">Summary of average recorded investment and interest income recognized on impaired loans</a></td>
<td class="text"><div><p style="text-align: justify"><font style="font: x-small Arial">The following table provides the average recorded investment in impaired loans and the amount of interest income recognized on impaired loans after impairment by portfolio segment and class.</font></p>

<table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt">



<tr style="vertical-align: bottom">

   <td colspan="14" style="border-top: Black 1.5pt solid; width: 100%; white-space: nowrap; text-align: left"><b><font style="font: xx-small Arial"></font></b><b><font style="font: xx-small Arial">&#160;</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 75%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td colspan="12" style="border-bottom: Black 1pt solid; width: 24%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b><b><font style="font: xx-small Arial">Year ended December 31,</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 75%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td colspan="4" style="border-bottom: Black 1pt solid; width: 8%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b><b><font style="font: xx-small Arial">2019</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td colspan="3" style="border-bottom: Black 1pt solid; width: 7%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b><b><font style="font: xx-small Arial">2018</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td colspan="3" style="border-bottom: Black 1pt solid; width: 7%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b><b><font style="font: xx-small Arial">2017</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 75%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td colspan="2" style="width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Average</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right">&#160;</td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Recognized</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Average</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right">&#160;</td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Recognized</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Average</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none">&#160;&#160;&#160; </td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Recognized</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 75%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td colspan="2" style="width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">recorded</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">interest</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">recorded</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">interest</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">recorded</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">interest</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 75%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">(dollars in thousands)</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">investment</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">income</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">investment</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">income</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">investment</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">income</font></b></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 75%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial">Commercial</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none">&#160;&#160;&#160; </td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none">&#160;&#160;&#160;</td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none">&#160;&#160;&#160;</td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none">&#160;&#160;&#160;</td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none">&#160;&#160;&#160;</td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 75%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Owner occupied RE</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;&#160;&#160;$</font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,739</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">128</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,784</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">142</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,255</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">104</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 75%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Non-owner occupied RE</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4,161</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">255</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,860</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">174</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4,144</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">199</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 75%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Construction</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 75%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Business</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,582</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">79</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,883</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">162</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,823</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">162</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; padding-left: 30pt; width: 75%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total commercial</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">8,482</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">462</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">8,527</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">478</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">9,222</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">465</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 75%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial">Consumer</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 75%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Real estate</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,771</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">131</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,930</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">151</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,047</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">69</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 75%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Home equity</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">853</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">42</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,453</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">99</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,576</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">97</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 75%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Construction</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 75%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Other</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">153</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">5</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">174</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">5</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">174</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">6</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; padding-left: 30pt; width: 75%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total consumer</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3,777</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">178</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4,557</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">255</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3,797</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">172</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1.5pt solid; padding-left: 45pt; width: 75%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">12,259</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">640</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">13,084</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">733</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">13,019</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">637</font></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock', window );">Summary of activity related to allowance for loan losses</a></td>
<td class="text"><div><p style="text-align: justify"><font style="font: x-small Arial">The following table summarizes the activity related to our allowance for loan losses:</font></p>

<table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse">



<tr style="vertical-align: bottom">

   <td style="border-top: Black 1.5pt solid; width: 85%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td colspan="8" style="border-top: Black 1.5pt solid; width: 13%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"><b><font style="font: xx-small Arial">&#160;</font></b></font></b></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 85%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td colspan="8" style="border-bottom: Black 1pt solid; width: 13%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b><b><font style="font: xx-small Arial">Year ended December 31,</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 85%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">(dollars in thousands)</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2019</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2018</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2017</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 85%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial">Balance, beginning of period</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none">&#160;&#160;&#160;&#160;&#160; </td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">15,762</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">15,523</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">14,855</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 85%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial">Provision for loan losses</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,300</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none">&#160;&#160;&#160;&#160;&#160; </td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,900</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none">&#160;&#160;&#160;&#160;&#160; </td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,000</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 85%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial">Loan charge-offs:</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 85%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Commercial</font></td>

   <td style="border-width: medium; border-style: none; padding-left: 15pt; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left; padding-left: 15pt"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-width: medium; border-style: none; padding-left: 15pt; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left; padding-left: 15pt"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-width: medium; border-style: none; padding-left: 15pt; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left; padding-left: 15pt"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 85%; white-space: nowrap; text-align: left; padding-left: 30pt"><font style="font: x-small Arial">Owner occupied RE</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(110</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 85%; white-space: nowrap; text-align: left; padding-left: 30pt"><font style="font: x-small Arial">Non-owner occupied RE</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(239</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(432</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(589</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 85%; white-space: nowrap; text-align: left; padding-left: 30pt"><font style="font: x-small Arial">Construction</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; padding-left: 30pt; width: 85%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Business</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(910</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(695</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(638</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; padding-left: 45pt; width: 85%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total commercial</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(1,259</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(1,127</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(1,227</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 85%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Consumer</font></td>

   <td style="border-width: medium; border-style: none; padding-left: 15pt; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left; padding-left: 15pt"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-width: medium; border-style: none; padding-left: 15pt; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left; padding-left: 15pt"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-width: medium; border-style: none; padding-left: 15pt; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left; padding-left: 15pt"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 85%; white-space: nowrap; text-align: left; padding-left: 30pt"><font style="font: x-small Arial">Real estate</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(749</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 85%; white-space: nowrap; text-align: left; padding-left: 30pt"><font style="font: x-small Arial">Home equity</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(174</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(217</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(400</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 85%; white-space: nowrap; text-align: left; padding-left: 30pt"><font style="font: x-small Arial">Construction</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; padding-left: 30pt; width: 85%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Other</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(82</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(53</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(11</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; padding-left: 45pt; width: 85%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total consumer</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(256</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(1,019</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(411</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; padding-left: 60pt; width: 85%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total loan charge-offs</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(1,515</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(2,146</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(1,638</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 85%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial">Loan recoveries:</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 85%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Commercial</font></td>

   <td style="border-width: medium; border-style: none; padding-left: 15pt; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left; padding-left: 15pt"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-width: medium; border-style: none; padding-left: 15pt; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left; padding-left: 15pt"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-width: medium; border-style: none; padding-left: 15pt; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left; padding-left: 15pt"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 85%; white-space: nowrap; text-align: left; padding-left: 30pt"><font style="font: x-small Arial">Owner occupied RE</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 85%; white-space: nowrap; text-align: left; padding-left: 30pt"><font style="font: x-small Arial">Non-owner occupied RE</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">132</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">119</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 85%; white-space: nowrap; text-align: left; padding-left: 30pt"><font style="font: x-small Arial">Construction</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; padding-left: 30pt; width: 85%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Business</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">43</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">229</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">86</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; padding-left: 45pt; width: 85%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total commercial</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">45</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">361</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">205</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 85%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Consumer</font></td>

   <td style="border-width: medium; border-style: none; padding-left: 15pt; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left; padding-left: 15pt"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-width: medium; border-style: none; padding-left: 15pt; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left; padding-left: 15pt"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-width: medium; border-style: none; padding-left: 15pt; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left; padding-left: 15pt"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 85%; white-space: nowrap; text-align: left; padding-left: 30pt"><font style="font: x-small Arial">Real estate</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">37</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">5</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">86</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 85%; white-space: nowrap; text-align: left; padding-left: 30pt"><font style="font: x-small Arial">Home equity</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">115</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">13</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 85%; white-space: nowrap; text-align: left; padding-left: 30pt"><font style="font: x-small Arial">Construction</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; padding-left: 30pt; width: 85%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Other</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">11</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; padding-left: 45pt; width: 85%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total consumer</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">50</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">124</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">101</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; padding-left: 60pt; width: 85%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total recoveries</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">95</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">485</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">306</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; padding-left: 75pt; width: 85%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Net loan charge-offs</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(1,420</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(1,661</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(1,332</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1.5pt solid; width: 85%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial">Balance, end of period</font></b></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">16,642</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">15,762</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">15,523</font></td></tr></table></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_SummaryOfAllowanceForLoanLossesByCommercialAndConsumerPortfolioSegmentsTableTextBlock', window );">Summary of allowance for loan losses by commercial and consumer portfolio segments</a></td>
<td class="text"><div><p style="text-align: justify"><font style="font: x-small Arial">The following tables summarize the activity in the allowance for loan losses by our commercial and consumer portfolio segments.</font></p>

<table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 100%">



<tr style="vertical-align: bottom">

   <td style="border-top: Black 1.5pt solid; width: 81%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-top: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td colspan="4" style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">&#160;</font></b></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"></td>

   <td colspan="8" style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b><b><font style="font: xx-small Arial">Year ended December 31, 2019</font></b></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">(dollars in thousands)</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Commercial</font></b></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Consumer</font></b></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>



   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Total</font></b></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="white-space: nowrap; text-align: left"><font style="font: x-small Arial">Balance, beginning of period</font></td>

   <td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;&#160;&#160;&#160;&#160; </font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">10,768</font></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;&#160;&#160;&#160;&#160; </font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">4,994</font></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;&#160;&#160;&#160;&#160; </font></td>



   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">15,762</font></td>

   <td style="white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Provision</font></td>

   <td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,818</font></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">482</font></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>



   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,300</font></td>

   <td style="white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Loan charge-offs</font></td>

   <td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">(1,259</font></td>

   <td style="white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">(256</font></td>

   <td style="white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>



   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">(1,515</font></td>

   <td style="white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; padding-left: 15pt; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Loan recoveries</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">45</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">50</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>



   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">95</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; padding-left: 30pt; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Net loan charge-offs</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(1,214</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(206</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>



   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(1,420</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Balance, end of period</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">11,372</font></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">5,270</font></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>



   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">16,642</font></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></td></tr>

<tr>

   <td colspan="11">&#160;&#160; </td></tr>

<tr style="vertical-align: bottom">

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"></td>

   <td colspan="8" style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b><b><font style="font: xx-small Arial">Year ended December 31, 2018</font></b></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Commercial</font></b></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Consumer</font></b></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>



   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Total</font></b></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="white-space: nowrap; text-align: left"><font style="font: x-small Arial">Balance, beginning of period</font></td>

   <td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;&#160;&#160;&#160;$</font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">9,937</font></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">5,586</font></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>



   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">15,523</font></td>

   <td style="white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Provision</font></td>

   <td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,597</font></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">303</font></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>



   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,900</font></td>

   <td style="white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Loan charge-offs</font></td>

   <td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">(1,127</font></td>

   <td style="white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">(1,019</font></td>

   <td style="white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>



   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">(2,146</font></td>

   <td style="white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; padding-left: 15pt; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Loan recoveries</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">361</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">124</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>



   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">485</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; padding-left: 30pt; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Net loan charge-offs</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(766</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(895</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>



   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(1,661</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Balance, end of period</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">10,768</font></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4,994</font></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>



   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">15,762</font></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_ImpairmentMethodologyForCreditLossesOnFinancingReceivablesTableTextBlock', window );">Summary of allowance for loan losses and recorded investment in loans by impairment methodology</a></td>
<td class="text"><div><p style="text-align: justify"><font style="font: x-small Arial">The following table disaggregates our allowance for loan losses and recorded investment in loans by method of impairment evaluation.</font></p>

<table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse">



<tr style="vertical-align: bottom">

   <td style="border-top: Black 1.5pt solid; width: 75%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">&#160;</font></b></td>

   <td colspan="3" style="border-top: Black 1.5pt solid; width: 7%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 75%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td colspan="12" style="border-bottom: Black 1pt solid; width: 24%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b><b><font style="font: xx-small Arial">December 31, 2019</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 75%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td colspan="6" style="border-bottom: Black 1pt solid; width: 12%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Allowance for loan losses</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td colspan="5" style="border-bottom: Black 1pt solid; width: 11%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Recorded investment in loans</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 75%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">(dollars in thousands)</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Commercial</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Consumer</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Total</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Commercial</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Consumer</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160; </td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Total</font></b></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 75%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Individually evaluated</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial">&#160;&#160;&#160;&#160;&#160; </font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">992</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial">&#160;&#160;&#160;&#160;&#160; </font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">446</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial">&#160;&#160;&#160;&#160;&#160; </font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,438</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial">&#160;&#160;&#160;&#160;&#160; </font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">8,308</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial">&#160;&#160;&#160;&#160;&#160; </font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3,705</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">12,013</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 75%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Collectively evaluated</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">10,380</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4,824</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">15,204</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,290,030</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">641,482</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,931,512</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1.5pt solid; padding-left: 15pt; width: 75%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">11,372</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">5,270</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">16,642</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,298,338</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">645,187</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,943,525</font></td></tr>

<tr>

   <td colspan="14" style="width: 100%">&#160;</td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 75%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td colspan="12" style="border-bottom: Black 1pt solid; width: 24%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b><b><font style="font: xx-small Arial">December 31, 2018</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 75%; white-space: nowrap; text-align: left"></td>

   <td style="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></td>

   <td colspan="6" style="border-bottom: Black 1pt solid; width: 12%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Allowance for loan losses</font></b></td>

   <td style="border-top: Black medium none; border-right: Black medium none; border-left: Black medium none; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td colspan="5" style="border-bottom: Black 1pt solid; width: 11%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Recorded investment in loans</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 75%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Commercial</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Consumer</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Total</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Commercial</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Consumer</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Total</font></b></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 75%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Individually evaluated</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;&#160;&#160;&#160;$</font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,528</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">486</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,014</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">8,089</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4,483</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">12,572</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 75%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Collectively evaluated</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">9,240</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4,508</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">13,748</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,120,616</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">544,144</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,664,760</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1.5pt solid; padding-left: 15pt; width: 75%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">10,768</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4,994</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">15,762</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,128,705</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">548,627</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,677,332</font></td></tr></table></div><span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember', window );">Consumer [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Loss [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PastDueFinancingReceivablesTableTextBlock', window );">Outstanding commercial and consumer loans which include loans on nonaccrual by past due status</a></td>
<td class="text"><div><p style="text-align: justify"><font style="font: x-small Arial">The following tables provide past due information for outstanding consumer loans and include loans on nonaccrual status.</font></p>
<table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse">



<tr style="vertical-align: bottom">

   <td style="border-top: Black 1.5pt solid; width: 79%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">&#160;</font></b></td>

   <td colspan="3" style="border-top: Black 1.5pt solid; width: 7%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left">&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td colspan="10" style="border-bottom: Black 1pt solid; width: 20%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b><b><font style="font: xx-small Arial">December 31, 2019</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">(dollars in thousands)</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160; </td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Real estate</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">&#160;&#160;&#160;&#160;&#160; </font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Home equity</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">&#160;&#160;&#160;&#160;&#160; </font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Construction</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">&#160;&#160;&#160;&#160;&#160; </font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Other</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160; </td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Total</font></b></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Current</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;$</font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">396,445</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">179,051</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">41,471</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">25,650</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">642,617</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">30-59 days past due</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">799</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">369</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">83</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,251</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">60-89 days past due</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">118</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">118</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Greater than 90 days</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,001</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">200</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,201</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1.5pt solid; width: 79%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">398,245</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">179,738</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">41,471</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">25,733</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">645,187</font></td></tr>

<tr>

   <td colspan="12" style="width: 100%">&#160;</td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td colspan="10" style="border-bottom: Black 1pt solid; width: 20%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b><b><font style="font: xx-small Arial">December 31, 2018</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Real estate</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Home equity</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Construction</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Other</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Total</font></b></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Current</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">317,267</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">165,727</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">37,925</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">23,603</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">544,522</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">30-59 days past due</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,555</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">30</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">106</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,691</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">60-89 days past due</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">923</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">113</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,036</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Greater than 90 days</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">198</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">180</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">378</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1.5pt solid; width: 79%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">320,943</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">165,937</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">37,925</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">23,822</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">548,627</font></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_OutstandingLoansByRiskCategoryTableTextBlock', window );">Summary of breakdown of outstanding loans by risk category</a></td>
<td class="text"><div><p style="text-align: justify"><font style="font: x-small Arial">The tables below provide a breakdown of outstanding consumer loans by risk category.</font></p>

<table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse">



<tr style="vertical-align: bottom">

   <td style="border-top: Black 1.5pt solid; width: 79%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">&#160;</font></b></td>

   <td colspan="3" style="border-top: Black 1.5pt solid; width: 7%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td colspan="10" style="border-bottom: Black 1pt solid; width: 20%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b><b><font style="font: xx-small Arial">December 31, 2019</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">(dollars in thousands)</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160; </td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Real estate</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">&#160;&#160;&#160;&#160;&#160; </font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Home equity</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">&#160;&#160;&#160;&#160;&#160; </font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Construction</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">&#160;&#160;&#160;&#160;&#160; </font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Other</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">&#160;&#160;&#160;&#160;&#160; </font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Total</font></b></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Pass</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;$</font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">392,572</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">176,532</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">41,471</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">25,421</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">635,996</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Special Mention</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,267</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">775</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">261</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3,303</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Substandard</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3,406</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,431</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">51</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">5,888</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Doubtful</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Loss</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1.5pt solid; width: 79%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">398,245</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">179,738</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">41,471</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">25,733</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">645,187</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td colspan="3" style="width: 7%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">&#160;</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td colspan="10" style="border-bottom: Black 1pt solid; width: 20%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b><b><font style="font: xx-small Arial">December 31, 2018</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">(dollars in thousands)</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Real estate</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Home equity</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Construction</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Other</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Total</font></b></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Pass</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">314,586</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">162,626</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">37,925</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">23,586</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">538,723</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Special Mention</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,792</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">864</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">139</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,795</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Substandard</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4,565</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,447</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">97</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,109</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Doubtful</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Loss</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1.5pt solid; width: 79%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">320,943</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">165,937</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">37,925</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">23,822</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">548,627</font></td></tr></table></div><span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_CommercialLoanMember', window );">Commercial [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Loss [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PastDueFinancingReceivablesTableTextBlock', window );">Outstanding commercial and consumer loans which include loans on nonaccrual by past due status</a></td>
<td class="text"><div><p style="text-align: justify"><font style="font: x-small Arial">The following tables provide past due information for outstanding commercial loans and include loans on nonaccrual status.</font></p>

<table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse">



<tr style="vertical-align: bottom">

   <td colspan="12" style="border-top: Black 1.5pt solid; width: 100%; white-space: nowrap; text-align: left"><b><font style="font: xx-small Arial"></font></b>&#160;</td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left"></td>

   <td style="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="10" style="border-bottom: Black 1pt solid; width: 20%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b><b><font style="font: xx-small Arial">December 31, 2019</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none">&#160;&#160;&#160;&#160; </td>

   <td colspan="2" style="width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Owner</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial">&#160;&#160;&#160;&#160; </font></b></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Non-owner</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none">&#160;&#160;&#160;&#160; </td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none">&#160;&#160;&#160;&#160; </td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none">&#160;&#160;&#160;&#160; </td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">(dollars in thousands)</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; text-align: right"><b><font style="font: xx-small Arial">occupied RE</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">occupied RE</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Construction</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Business</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Total</font></b></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Current</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;&#160; $</font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">406,594</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">501,676</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">80,486</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">307,710</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,296,466</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">30-59 days past due</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">706</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">151</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">178</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,035</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">60-89 days past due</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Greater than 90 days</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">551</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">51</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">235</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">837</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1.5pt solid; width: 79%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">407,851</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">501,878</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">80,486</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">308,123</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,298,338</font></td></tr>

<tr>

   <td colspan="12" style="width: 100%">&#160;</td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left"></td>

   <td style="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="10" style="border-bottom: Black 1pt solid; width: 20%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b><b><font style="font: xx-small Arial">December 31, 2018</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td colspan="2" style="width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Owner</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Non-owner</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; text-align: right"><b><font style="font: xx-small Arial">occupied RE</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">occupied RE</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Construction</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Business</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Total</font></b></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Current</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">367,018</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">404,179</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">84,411</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">272,864</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,128,472</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">30-59 days past due</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">117</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">36</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">153</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">60-89 days past due</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Greater than 90 days</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">80</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">80</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1.5pt solid; width: 79%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">367,018</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">404,296</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">84,411</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">272,980</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,128,705</font></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_OutstandingLoansByRiskCategoryTableTextBlock', window );">Summary of breakdown of outstanding loans by risk category</a></td>
<td class="text"><div><p style="text-align: justify"><font style="font: x-small Arial">The tables below provide a breakdown of outstanding commercial loans by risk category.</font></p>

<table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse">



<tr style="vertical-align: bottom">

   <td style="border-top: Black 1.5pt solid; width: 79%; white-space: nowrap; text-align: left">&#160;</td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td colspan="3" style="border-top: Black 1.5pt solid; width: 7%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td colspan="10" style="border-bottom: Black 1pt solid; width: 20%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b><b><font style="font: xx-small Arial">December 31, 2019</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td colspan="2" style="width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Owner</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Non-owner</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">(dollars in thousands)</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160; </td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; text-align: right"><b><font style="font: xx-small Arial">occupied RE</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160; </td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">occupied RE</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160; </td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Construction</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160; </td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Business</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160; </td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Total</font></b></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Pass</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;&#160; $</font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">404,237</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">492,941</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial">&#160;&#160;&#160;&#160; </font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">80,486</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial">&#160;&#160;&#160;&#160; </font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">301,504</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,279,168</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Special Mention</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,312</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">744</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3,108</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">5,164</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Substandard</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,302</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">8,193</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3,511</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">14,006</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Doubtful</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1.5pt solid; width: 79%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">407,851</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">501,878</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">80,486</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">308,123</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,298,338</font></td></tr>

<tr>

   <td colspan="12" style="width: 100%">&#160;</td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left">&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td colspan="10" style="border-bottom: Black 1pt solid; width: 20%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b><b><font style="font: xx-small Arial">December 31, 2018</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td colspan="2" style="width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Owner</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Non-owner</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; text-align: right"><b><font style="font: xx-small Arial">occupied RE</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">occupied RE</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Construction</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Business</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Total</font></b></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Pass</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;&#160; $</font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">363,621</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">400,266</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">84,411</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">266,898</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,115,196</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Special Mention</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">296</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">118</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,971</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3,385</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Substandard</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3,101</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3,912</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3,111</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">10,124</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Doubtful</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1.5pt solid; width: 79%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">367,018</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">404,296</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">84,411</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">272,980</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,128,705</font></td></tr></table></div><span></span>
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</tr>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Impairment methodology for credit losses on financing receivables.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Composition of gross loans by rate type.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<td style="white-space:nowrap;">sfst_LoanReceivableByRateTypeTableTextBlock</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Outstanding commercial and consumer loans by risk category.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_OutstandingLoansByRiskCategoryTableTextBlock</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_SummaryOfAllowanceForLoanLossesByCommercialAndConsumerPortfolioSegmentsTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Summary of allowance for loan losses by commercial and consumer portfolio segments.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_SummaryOfAverageRecordedInvestmentInImpairedLoansAndAmountOfInterestIncomeTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Summary of average recorded investment in impaired loans and the amount of interest income.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_SummaryOfAverageRecordedInvestmentInImpairedLoansAndAmountOfInterestIncomeTableTextBlock</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of allowance for credit loss on financing receivable.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -URI http://asc.fasb.org/extlink&amp;oid=118936363&amp;loc=SL6953423-111524<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 13<br> -URI http://asc.fasb.org/extlink&amp;oid=119407570&amp;loc=SL82919249-210447<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ImpairedFinancingReceivablesTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of impaired financing receivables.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 15<br> -URI http://asc.fasb.org/extlink&amp;oid=118936363&amp;loc=d3e5212-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ImpairedFinancingReceivablesTableTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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</tr>
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<td><strong> Data Type:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
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</tr>
</table></div>
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</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PastDueFinancingReceivablesTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of aging analysis for financing receivable.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 14<br> -URI http://asc.fasb.org/extlink&amp;oid=119407570&amp;loc=SL82919253-210447<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 7A<br> -URI http://asc.fasb.org/extlink&amp;oid=118936363&amp;loc=SL6953401-111524<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 55<br> -Paragraph 80<br> -URI http://asc.fasb.org/extlink&amp;oid=118955255&amp;loc=SL82922355-210448<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 7<br> -URI http://asc.fasb.org/extlink&amp;oid=118936363&amp;loc=d3e5111-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PastDueFinancingReceivablesTableTextBlock</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.3,4)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of financing receivable on nonaccrual status.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 7<br> -URI http://asc.fasb.org/extlink&amp;oid=118936363&amp;loc=d3e5111-111524<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 16<br> -URI http://asc.fasb.org/extlink&amp;oid=119407570&amp;loc=SL82919258-210447<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<td><strong> Name:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<FILENAME>R114.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6918800336">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Parent Company Financial Information (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2019</div></th>
<th class="th"><div>Dec. 31, 2018</div></th>
<th class="th"><div>Dec. 31, 2017</div></th>
<th class="th"><div>Dec. 31, 2016</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsAbstract', window );"><strong>Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashCashEquivalentsAndFederalFundsSold', window );">Cash and cash equivalents</a></td>
<td class="nump">$ 127,816<span></span>
</td>
<td class="nump">$ 72,873<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherAssets', window );">Other assets</a></td>
<td class="nump">8,044<span></span>
</td>
<td class="nump">7,444<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Assets', window );">Total assets</a></td>
<td class="nump">2,267,195<span></span>
</td>
<td class="nump">1,900,614<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesAndStockholdersEquityAbstract', window );"><strong>Liabilities and Shareholders' Equity</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_JuniorSubordinatedNotes', window );">Subordinated debentures</a></td>
<td class="nump">35,890<span></span>
</td>
<td class="nump">13,403<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">Shareholders' equity</a></td>
<td class="nump">205,860<span></span>
</td>
<td class="nump">173,916<span></span>
</td>
<td class="nump">$ 149,686<span></span>
</td>
<td class="nump">$ 109,872<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesAndStockholdersEquity', window );">Total liabilities and shareholders' equity</a></td>
<td class="nump">2,267,195<span></span>
</td>
<td class="nump">1,900,614<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RevenuesAbstract', window );"><strong>Revenues</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestAndDividendIncomeOperating', window );">Interest income</a></td>
<td class="nump">92,652<span></span>
</td>
<td class="nump">76,657<span></span>
</td>
<td class="nump">61,209<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OperatingExpensesAbstract', window );"><strong>Expenses</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpense', window );">Interest expense</a></td>
<td class="nump">25,383<span></span>
</td>
<td class="nump">16,505<span></span>
</td>
<td class="nump">10,333<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Income tax benefit</a></td>
<td class="nump">7,621<span></span>
</td>
<td class="nump">6,401<span></span>
</td>
<td class="nump">10,616<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
<td class="nump">27,858<span></span>
</td>
<td class="nump">22,289<span></span>
</td>
<td class="nump">13,045<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperationsAbstract', window );"><strong>Operating activities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
<td class="nump">27,858<span></span>
</td>
<td class="nump">22,289<span></span>
</td>
<td class="nump">13,045<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract', window );"><strong>Adjustments to reconcile net income to cash provided by (used for) operating activities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensation', window );">Compensation expense related to stock options and restricted stock grants</a></td>
<td class="nump">1,698<span></span>
</td>
<td class="nump">1,502<span></span>
</td>
<td class="nump">1,258<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInOtherOperatingAssets', window );">(Increase) decrease in other assets</a></td>
<td class="num">(600)<span></span>
</td>
<td class="nump">325<span></span>
</td>
<td class="num">(1,183)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInOperatingActivities', window );">Net cash provided by operating activities</a></td>
<td class="nump">18,282<span></span>
</td>
<td class="nump">31,703<span></span>
</td>
<td class="nump">17,193<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperationsAbstract', window );"><strong>Investing activities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInInvestingActivities', window );">Net cash used for investing activities</a></td>
<td class="num">(275,583)<span></span>
</td>
<td class="num">(301,708)<span></span>
</td>
<td class="num">(239,015)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperationsAbstract', window );"><strong>Financing activities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodValueNewIssues', window );">Issuance of common stock</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(24,758)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInFinancingActivities', window );">Net cash provided by financing activities</a></td>
<td class="nump">312,244<span></span>
</td>
<td class="nump">250,713<span></span>
</td>
<td class="nump">267,435<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease', window );">Net increase (decrease) in cash and cash equivalents</a></td>
<td class="nump">54,943<span></span>
</td>
<td class="num">(19,292)<span></span>
</td>
<td class="nump">45,613<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">Cash and cash equivalents, beginning of year</a></td>
<td class="nump">72,873<span></span>
</td>
<td class="nump">92,165<span></span>
</td>
<td class="nump">46,552<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">Cash and cash equivalents, end of year</a></td>
<td class="nump">127,816<span></span>
</td>
<td class="nump">72,873<span></span>
</td>
<td class="nump">92,165<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_srt_ConsolidatedEntitiesAxis=srt_ParentCompanyMember', window );">Parent Company [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsAbstract', window );"><strong>Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashCashEquivalentsAndFederalFundsSold', window );">Cash and cash equivalents</a></td>
<td class="nump">7,753<span></span>
</td>
<td class="nump">5,389<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures', window );">Investment in subsidiaries</a></td>
<td class="nump">234,310<span></span>
</td>
<td class="nump">181,919<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherAssets', window );">Other assets</a></td>
<td class="nump">6<span></span>
</td>
<td class="nump">19<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Assets', window );">Total assets</a></td>
<td class="nump">242,069<span></span>
</td>
<td class="nump">187,327<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesAndStockholdersEquityAbstract', window );"><strong>Liabilities and Shareholders' Equity</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent', window );">Accounts payable and accrued expenses</a></td>
<td class="nump">319<span></span>
</td>
<td class="nump">8<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_JuniorSubordinatedNotes', window );">Subordinated debentures</a></td>
<td class="nump">35,890<span></span>
</td>
<td class="nump">13,403<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">Shareholders' equity</a></td>
<td class="nump">205,860<span></span>
</td>
<td class="nump">173,916<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesAndStockholdersEquity', window );">Total liabilities and shareholders' equity</a></td>
<td class="nump">242,069<span></span>
</td>
<td class="nump">187,327<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RevenuesAbstract', window );"><strong>Revenues</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestAndDividendIncomeOperating', window );">Interest income</a></td>
<td class="nump">13<span></span>
</td>
<td class="nump">9<span></span>
</td>
<td class="nump">11<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Revenues', window );">Total revenue</a></td>
<td class="nump">13<span></span>
</td>
<td class="nump">9<span></span>
</td>
<td class="nump">11<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OperatingExpensesAbstract', window );"><strong>Expenses</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpense', window );">Interest expense</a></td>
<td class="nump">929<span></span>
</td>
<td class="nump">592<span></span>
</td>
<td class="nump">514<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherExpenses', window );">Other expenses</a></td>
<td class="nump">240<span></span>
</td>
<td class="nump">240<span></span>
</td>
<td class="nump">246<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OperatingExpenses', window );">Total expenses</a></td>
<td class="nump">1,169<span></span>
</td>
<td class="nump">832<span></span>
</td>
<td class="nump">760<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Income tax benefit</a></td>
<td class="nump">243<span></span>
</td>
<td class="nump">173<span></span>
</td>
<td class="nump">262<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_IncomeLossBeforeEquityInUndistributedNetIncomeOfSubsidiaries', window );">Loss before equity in undistributed net income of subsidiaries</a></td>
<td class="num">(913)<span></span>
</td>
<td class="num">(650)<span></span>
</td>
<td class="num">(487)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_EquityInUndistributedNetIncomeOfSubsidiaries', window );">Equity in undistributed net income of subsidiaries</a></td>
<td class="nump">28,771<span></span>
</td>
<td class="nump">22,939<span></span>
</td>
<td class="nump">13,532<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
<td class="nump">27,858<span></span>
</td>
<td class="nump">22,289<span></span>
</td>
<td class="nump">13,045<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperationsAbstract', window );"><strong>Operating activities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
<td class="nump">27,858<span></span>
</td>
<td class="nump">22,289<span></span>
</td>
<td class="nump">13,045<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract', window );"><strong>Adjustments to reconcile net income to cash provided by (used for) operating activities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_EquityInUndistributedNetIncomeOfSubsidiaries', window );">Equity in undistributed net income of subsidiaries</a></td>
<td class="num">(28,771)<span></span>
</td>
<td class="num">(22,939)<span></span>
</td>
<td class="num">(13,532)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensation', window );">Compensation expense related to stock options and restricted stock grants</a></td>
<td class="nump">1,698<span></span>
</td>
<td class="nump">1,502<span></span>
</td>
<td class="nump">1,258<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInOtherOperatingAssets', window );">(Increase) decrease in other assets</a></td>
<td class="nump">12<span></span>
</td>
<td class="nump">12<span></span>
</td>
<td class="nump">2,772<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInAccountsPayableAndAccruedLiabilities', window );">Increase (decrease) in accounts payable and accrued expenses</a></td>
<td class="num">(202)<span></span>
</td>
<td class="nump">2<span></span>
</td>
<td class="nump">2<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInOperatingActivities', window );">Net cash provided by operating activities</a></td>
<td class="nump">595<span></span>
</td>
<td class="nump">866<span></span>
</td>
<td class="nump">3,545<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperationsAbstract', window );"><strong>Investing activities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_InvestmentInSubsidiaries', window );">Investment in subsidiaries, net</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="num">(27,334)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInInvestingActivities', window );">Net cash used for investing activities</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="num">(27,334)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperationsAbstract', window );"><strong>Financing activities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodValueNewIssues', window );">Issuance of common stock</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">24,758<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_ProceedsFromExerciseOfStockOptionsAndWarrants', window );">Proceeds from the exercise of stock options and warrants</a></td>
<td class="nump">1,769<span></span>
</td>
<td class="nump">900<span></span>
</td>
<td class="nump">705<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInFinancingActivities', window );">Net cash provided by financing activities</a></td>
<td class="nump">1,769<span></span>
</td>
<td class="nump">900<span></span>
</td>
<td class="nump">25,463<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease', window );">Net increase (decrease) in cash and cash equivalents</a></td>
<td class="nump">2,364<span></span>
</td>
<td class="nump">1,766<span></span>
</td>
<td class="nump">1,674<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">Cash and cash equivalents, beginning of year</a></td>
<td class="nump">5,389<span></span>
</td>
<td class="nump">3,623<span></span>
</td>
<td class="nump">1,949<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">Cash and cash equivalents, end of year</a></td>
<td class="nump">$ 7,753<span></span>
</td>
<td class="nump">$ 5,389<span></span>
</td>
<td class="nump">$ 3,623<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_EquityInUndistributedNetIncomeOfSubsidiaries">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Equity in undistributed net income of subsidiaries.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_EquityInUndistributedNetIncomeOfSubsidiaries</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_IncomeLossBeforeEquityInUndistributedNetIncomeOfSubsidiaries">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Income (loss) before equity in undistributed net income of subsidiaries.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_IncomeLossBeforeEquityInUndistributedNetIncomeOfSubsidiaries</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_InvestmentInSubsidiaries">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Investment in subsidiaries.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_InvestmentInSubsidiaries</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_ProceedsFromExerciseOfStockOptionsAndWarrants">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cash inflow associated with the amount received from holders exercising their stock options and warrants.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_ProceedsFromExerciseOfStockOptionsAndWarrants</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Sum of the carrying values as of the balance sheet date of obligations incurred through that date, including liabilities incurred and payable to vendors for goods and services received, taxes, interest, rent and utilities, compensation costs, payroll taxes and fringe benefits (other than pension and postretirement obligations), contractual rights and obligations, and statutory obligations.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03.15)<br> -URI http://asc.fasb.org/extlink&amp;oid=119400593&amp;loc=d3e572229-122910<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.15(1),(5))<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Assets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(11))<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 22<br> -URI http://asc.fasb.org/extlink&amp;oid=115929826&amp;loc=d3e8736-108599<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(12))<br> -URI http://asc.fasb.org/extlink&amp;oid=119400593&amp;loc=d3e572229-122910<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_Assets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AssetsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AssetsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndCashEquivalentsAtCarryingValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=118932676&amp;loc=d3e3044-108585<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=118951113&amp;loc=d3e6676-107765<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.1)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CashAndCashEquivalentsAtCarryingValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashCashEquivalentsAndFederalFundsSold">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The sum of cash and cash equivalents plus Federal Funds Sold. Cash and cash equivalents consist of short term, highly liquid investments that are readily convertible to known amounts of cash and are so near their maturity that they present negligible risk of changes in value due to changes in interest rates -- usually with an original maturity less than 90 days.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.1,2,3)<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CashCashEquivalentsAndFederalFundsSold</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxExpenseBenefit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 22<br> -Subparagraph (h)<br> -URI http://asc.fasb.org/extlink&amp;oid=115929826&amp;loc=d3e8736-108599<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(h))<br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 20<br> -Section 45<br> -Paragraph 2<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=109238882&amp;loc=d3e38679-109324<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeTaxExpenseBenefit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInAccountsPayableAndAccruedLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) during the reporting period in the amounts payable to vendors for goods and services received and the amount of obligations and expenses incurred but not paid.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=118932676&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncreaseDecreaseInAccountsPayableAndAccruedLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInOtherOperatingAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of increase (decrease) in operating assets classified as other.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=118932676&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncreaseDecreaseInOtherOperatingAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestAndDividendIncomeOperating">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.1-5)<br> -URI http://asc.fasb.org/extlink&amp;oid=116637391&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestAndDividendIncomeOperating</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of the cost of borrowed funds accounted for as interest expense.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 835<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=6450988&amp;loc=d3e26243-108391<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 835<br> -SubTopic 30<br> -Section 45<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=114775744&amp;loc=d3e28555-108399<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 22<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=115929826&amp;loc=d3e8736-108599<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (210.5-03(11))<br> -URI http://asc.fasb.org/extlink&amp;oid=116634182&amp;loc=SL114868664-224227<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.9)<br> -URI http://asc.fasb.org/extlink&amp;oid=116637391&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of investment in equity method investee and investment in and advance to affiliate.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.12)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_JuniorSubordinatedNotes">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Including the current and noncurrent portions, carrying value as of the balance sheet date of long-term debt (with maturities initially due after one year or beyond the operating cycle if longer) identified as Junior Subordinated Notes, which have a lower priority than senior instruments.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(16)(a))<br> -URI http://asc.fasb.org/extlink&amp;oid=119400593&amp;loc=d3e572229-122910<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(22))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(16))<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of liabilities and equity items, including the portion of equity attributable to noncontrolling interests, if any.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(23))<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(25))<br> -URI http://asc.fasb.org/extlink&amp;oid=119400593&amp;loc=d3e572229-122910<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(32))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LiabilitiesAndStockholdersEquityAbstract</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInFinancingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of cash inflow (outflow) from financing activities, including 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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 24<br> -URI http://asc.fasb.org/extlink&amp;oid=118932676&amp;loc=d3e3521-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetCashProvidedByUsedInFinancingActivities</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperationsAbstract</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInInvestingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of cash inflow (outflow) from investing activities, including 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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 24<br> -URI http://asc.fasb.org/extlink&amp;oid=118932676&amp;loc=d3e3521-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetCashProvidedByUsedInInvestingActivities</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperationsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperationsAbstract</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInOperatingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of cash inflow (outflow) from operating activities, including discontinued operations. Operating activity cash flows include transactions, adjustments, and changes in value not defined as investing or financing activities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 25<br> -URI http://asc.fasb.org/extlink&amp;oid=118932676&amp;loc=d3e3536-108585<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 24<br> -URI http://asc.fasb.org/extlink&amp;oid=118932676&amp;loc=d3e3521-108585<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -URI http://asc.fasb.org/extlink&amp;oid=118932676&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetCashProvidedByUsedInOperatingActivities</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperationsAbstract</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1A<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=118930883&amp;loc=SL7669619-108580<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(22))<br> -URI http://asc.fasb.org/extlink&amp;oid=116637391&amp;loc=SL114874048-224260<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1B<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=118930883&amp;loc=SL7669625-108580<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(18))<br> -URI http://asc.fasb.org/extlink&amp;oid=116637232&amp;loc=SL114874131-224263<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(20))<br> -URI http://asc.fasb.org/extlink&amp;oid=116634182&amp;loc=SL114868664-224227<br><br>Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -URI http://asc.fasb.org/extlink&amp;oid=118932676&amp;loc=d3e3602-108585<br><br>Reference 7: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetIncomeLoss</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Generally recurring costs associated with normal operations except for the portion of these expenses which can be clearly related to production and included in cost of sales or services. Includes selling, general and administrative expense.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OperatingExpenses</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OperatingExpensesAbstract</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of assets classified as other.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(17))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(10))<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(10))<br> -URI http://asc.fasb.org/extlink&amp;oid=119400593&amp;loc=d3e572229-122910<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherAssets</td>
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<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
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</tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of expense classified as other.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03.4,6)<br> -URI http://asc.fasb.org/extlink&amp;oid=116634182&amp;loc=SL114868664-224227<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04.7)<br> -URI http://asc.fasb.org/extlink&amp;oid=116637232&amp;loc=SL114874131-224263<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherExpenses</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of revenue recognized from goods sold, services rendered, insurance premiums, or other activities that constitute an earning process. Includes, but is not limited to, investment and interest income before deduction of interest expense when recognized as a component of revenue, and sales and trading gain (loss).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 22<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=115929826&amp;loc=d3e8736-108599<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 32<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=115929826&amp;loc=d3e8933-108599<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 22<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=115929826&amp;loc=d3e8736-108599<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(1))<br> -URI http://asc.fasb.org/extlink&amp;oid=116634182&amp;loc=SL114868664-224227<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_Revenues</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RevenuesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RevenuesAbstract</td>
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<td><strong> Balance Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of noncash expense for share-based payment arrangement.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=118932676&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensation</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Equity impact of the value of new stock issued during the period. Includes shares issued in an initial public offering or a secondary public offering.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=27012166&amp;loc=d3e187085-122770<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=109259400&amp;loc=d3e21463-112644<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StockIssuedDuringPeriodValueNewIssues</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SAB Topic 4.E)<br> -URI http://asc.fasb.org/extlink&amp;oid=27010918&amp;loc=d3e74512-122707<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(31))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(30))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StockholdersEquity</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6920568832">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Other Real Estate Owned<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2019</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RealEstateAbstract', window );"><strong>Real Estate [Abstract]</strong></a></td>
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<td class="text"><div><p style="text-align: left"><b><font style="font: x-small Arial">NOTE 8 &#8211; Other Real Estate Owned</font></b></p>
<p style="text-align: justify"><font style="font: x-small Arial">Other real estate owned is comprised of real estate acquired in settlement of loans and is included in other assets on the balance sheet. At December 31, 2019 and 2018, there was no other real estate owned. The following summarizes the activity in the real estate acquired in settlement of loans portion of other real estate owned:</font></p>
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<tr style="vertical-align: bottom">

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   <td style="width: 1%; white-space: nowrap; text-align: left; border-top: #000000 1.5pt solid"></td>

   <td colspan="5" style="width: 5%; white-space: nowrap; text-align: left; border-top: #000000 1.5pt solid">&#160;</td>

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   <td colspan="5" style="width: 5%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"><b><font style="font: xx-small Arial">For the year ended December 31,</font></b></td>

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   <td style="width: 93%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid"><font style="font: xx-small Arial">(dollars in thousands)</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid">&#160;&#160;&#160;&#160;&#160;</td>

   <td colspan="2" style="width: 2%; text-align: right; border-bottom: #000000 1pt solid"><b><font style="font: xx-small Arial">2019</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid">&#160;&#160;&#160;&#160;&#160;</td>

   <td colspan="2" style="width: 2%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"><b><font style="font: xx-small Arial">2018</font></b></td>

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   <td style="width: 93%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Balance, beginning of year</font></td>

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   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;$&#160;&#160;&#160;&#160;&#160;</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">242</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 93%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Additions</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

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   <td style="width: 93%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Sales</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

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   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(125</font></td>

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   <td style="width: 93%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid"><font style="font: x-small Arial">Write-downs, net</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"><font style="font: x-small Arial">(117</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid"><font style="font: x-small Arial">)</font></td></tr>

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   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1.5pt solid"><font style="font: x-small Arial">$&#160;&#160;&#160;&#160;&#160;</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1.5pt solid"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-bottom: #000000 1.5pt solid"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1.5pt solid"><font style="font: x-small Arial">$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1.5pt solid"><font style="font: x-small Arial">-</font></td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for real estate owned (as defined). Generally, the largest component of real estate owned by lenders is assets taken in settlement of troubled loans through surrender or foreclosure. Real estate investments, real estate loans that qualify as investments in real estate, and premises that are no longer used in operations may also be included in real estate owned.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 45<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=118952595&amp;loc=d3e4437-111522<br></p></div>
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6811742192">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Loans and Allowance for Loan Losses<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2019</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesLoansAndFinancingReceivableGrossAllowanceAndNetAbstract', window );"><strong>Accounts, Notes, Loans and Financing Receivable, Gross, Allowance, and Net [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock', window );">Loans and Allowance for Loan Losses</a></td>
<td class="text"><div><p style="text-align: justify"><b><font style="font: x-small Arial">NOTE 4 &#8211; Loans and Allowance for Loan Losses</font></b></p>

<p style="text-align: justify"><font style="font: x-small Arial">The Company makes loans to individuals and small businesses for various personal and commercial purposes primarily in the Upstate, Midlands, and Lowcountry regions of South Carolina, the Triangle and Triad regions of North Carolina as well as Atlanta, Georgia. The Company&#8217;s loan portfolio is not concentrated in loans to any single borrower or a relatively small number of borrowers. The Company focuses its lending activities primarily on the professional markets in these regions including doctors, dentists, and small business owners. The principal component of the loan portfolio is loans secured by real estate mortgages which account for 82.8% of total loans at December 31, 2019. Commercial loans comprise 61.5% of total real estate loans and consumer loans account for 38.5%. Commercial real estate loans are further categorized into owner occupied which represents 21.0% of total loans and non-owner occupied loans represent 25.8%. Commercial construction loans represent only 4.1% of the total loan portfolio.</font></p>

<p style="text-align: justify"><font style="font: x-small Arial">In addition to monitoring potential concentrations of loans to particular borrowers or groups of borrowers, industries and geographic regions, management monitors exposure to credit risk from concentrations of lending products and practices such as loans that subject borrowers to substantial payment increases (e.g. principal deferral periods, loans with initial interest-only periods, etc.), and loans with high loan-to-value ratios. Additionally, there are industry practices that could subject the Company to increased credit risk should economic conditions change over the course of a loan&#8217;s life. For example, the Company makes variable rate loans and fixed rate principal-amortizing loans with maturities prior to the loan being fully paid (i.e. balloon payment loans). The various types of loans are individually underwritten and monitored to manage the associated risks.</font></p>

<p style="text-align: justify"><font style="font: x-small Arial">The allowance for loan losses is management's estimate of credit losses inherent in the loan portfolio at the balance sheet date. We have an established process to determine the adequacy of the allowance for loan losses that assesses the losses inherent in our portfolio. While we attribute portions of the allowance to specific portfolio segments, the entire allowance is available to absorb credit losses inherent in the total loan portfolio. Our process involves procedures to appropriately consider the unique risk characteristics of our commercial and consumer loan portfolio segments. For each portfolio segment, impairment is measured individually for each impaired loan. Our allowance levels are influenced by loan volume, loan grade or delinquency status, historic loss experience and other economic conditions.</font></p>

<p style="text-align: justify"><b><font style="font: x-small Arial">Portfolio Segment Methodology</font></b></p>

<p style="text-align: justify"><i><font style="font: x-small Arial">Commercial<br /></font></i><font style="font: x-small Arial">Commercial loans are assessed for estimated losses by grading each loan using various risk factors identified through periodic reviews. The Company applies historic grade-specific loss factors to each loan class. In the development of statistically derived loan grade loss factors, the Company observes historical losses over 20 quarters for each loan grade. These loss estimates are adjusted as appropriate based on additional analysis of external loss data or other risks identified from current economic conditions and credit quality trends. The allowance also includes an amount for the estimated impairment on nonaccrual commercial loans and commercial loans modified in a TDR, whether on accrual or nonaccrual status.</font></p>

<p style="text-align: justify"><font style="font: x-small Arial"><i>Consumer<br /></i>For consumer loans, the
Company determines the allowance on a collective basis utilizing historical losses over 20 quarters to represent its best estimate
of inherent loss. The Company pools loans, generally by loan class with similar risk characteristics. The allowance also includes
an amount for the estimated impairment on nonaccrual consumer loans and consumer loans modified in a TDR, whether on accrual or
nonaccrual status.</font></p>



<p style="text-align: justify"><font style="font: x-small Arial">The following table summarizes the composition of our loan portfolio. Total gross loans are recorded net of deferred loan fees and costs, which totaled $3.3 million and $2.8 million as of December 31, 2019 and December 31, 2018, respectively.</font></p>

<table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse">
<tr style="vertical-align: bottom">
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td></tr>


<tr style="vertical-align: bottom">

   <td style="width: 89%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="10" style="border-bottom: Black 1pt solid; width: 10%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">December 31,</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 89%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">(dollars in thousands)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2019</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2018</font></b></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 89%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial">Commercial</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial"></font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 89%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Owner occupied RE</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">407,851</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">21.0%</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">367,018</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">21.9%</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 89%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Non-owner occupied RE</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">501,878</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">25.8%</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">404,296</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">24.1%</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 89%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Construction</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">80,486</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4.1%</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">84,411</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">5.0%</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 89%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Business</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">308,123</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">15.9%</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">272,980</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">16.3%</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 89%; white-space: nowrap; text-align: left; padding-left: 30pt"><font style="font: x-small Arial">Total commercial loans</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,298,338</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">66.8%</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,128,705</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">67.3%</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 89%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial">Consumer</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial"></font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 89%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Real estate</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">398,245</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">20.5%</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">320,943</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">19.1%</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 89%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Home equity</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">179,738</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">9.3%</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">165,937</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">9.9%</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 89%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Construction</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">41,471</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2.1%</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">37,925</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2.3%</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 89%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Other</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">25,733</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1.3%</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">23,822</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1.4%</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 89%; white-space: nowrap; text-align: left; padding-left: 30pt"><font style="font: x-small Arial">Total consumer loans</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">645,187</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">33.2%</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">548,627</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">32.7%</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 89%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Total gross loans, net of deferred fees</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,943,525</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">100.0%</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,677,332</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">100.0%</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 89%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Less &#8211; allowance for loan losses</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(16,642</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(15,762</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1.5pt solid; padding-left: 15pt; width: 89%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total loans, net</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,926,883</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,661,570</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td></tr>


</table>


<p style="text-align: justify"><font style="font: x-small Arial">The composition of gross loans by rate type is as follows:</font></p>

<table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse">


<tr style="vertical-align: bottom">
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td></tr>


<tr style="vertical-align: bottom">

   <td style="width: 95%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="4" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">December 31,</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 95%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">(dollars in thousands)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial"></font></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2019</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2018</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 95%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial">Variable rate loans</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">432,540</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">402,148</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 95%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Fixed rate loans</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,510,985</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,275,184</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 95%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,943,525</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,677,332</font></td></tr>


</table>


<p style="text-align: justify"><font style="font: x-small Arial">At December 31, 2019, approximately $716.0 million of the Company&#8217;s mortgage loans were pledged as collateral for advances from the FHLB, as set forth in Note 10.</font></p>

<p style="text-align: justify"><b><font style="font: x-small Arial">Credit Quality Indicators</font></b></p>

<p style="text-align: justify"><i><font style="font: x-small Arial">Commercial<br /></font></i><font style="font: x-small Arial">We manage a consistent process for assessing commercial loan credit quality by monitoring our loan grading trends and past due statistics. All loans are subject to individual risk assessment. Our risk categories include Pass, Special Mention, Substandard, and Doubtful, each of which is defined by banking regulatory agencies. Delinquency statistics are also an important indicator of credit quality in the establishment of our allowance for credit losses.</font></p>

<p style="text-align: justify"><font style="font: x-small Arial">We categorize our loans into risk categories based on relevant information about the ability of the borrower to service their debt such as current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. A description of the general characteristics of the risk grades is as follows:</font></p>

<table cellspacing="0" cellpadding="0" border="0" style="width: 100%; font: 10pt Arial; border-collapse: collapse; text-align: justify">



<tr>

   <td style="padding-left: 15pt; padding-right: 8pt; vertical-align: top; width: 1%"><font style="font-size: 9.5pt">&#9679;</font></td>

   <td style="vertical-align: top; width: 99%"><font style="font: x-small Arial">Pass&#8212;These loans range from minimal credit risk to average however still acceptable credit risk.</font></td></tr>

<tr>
   <td style="padding-left: 15pt; padding-right: 8pt; vertical-align: top">&#160;</td>
   <td style="vertical-align: top">&#160;</td></tr>
<tr>

   <td style="padding-left: 15pt; padding-right: 8pt; vertical-align: top; width: 1%"><font style="font-size: 9.5pt">&#9679;</font></td>

   <td style="vertical-align: top; width: 99%"><font style="font: x-small Arial">Special mention&#8212;A special mention loan has potential weaknesses that deserve management&#8217;s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or the institution&#8217;s credit position at some future date.</font></td></tr>

<tr>
   <td style="padding-left: 15pt; padding-right: 8pt; vertical-align: top">&#160;</td>
   <td style="vertical-align: top">&#160;</td></tr>
<tr>

   <td style="padding-left: 15pt; padding-right: 8pt; vertical-align: top; width: 1%"><font style="font-size: 9.5pt">&#9679;</font></td>

   <td style="vertical-align: top; width: 99%"><font style="font: x-small Arial">Substandard&#8212;A substandard loan is inadequately protected by the current sound worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified must have a well-defined weakness, or weaknesses, that may jeopardize the liquidation of the debt. A substandard loan is characterized by the distinct possibility that the Bank will sustain some loss if the deficiencies are not corrected.</font></td></tr></table>

<p style="text-align: center"></p>

<table cellspacing="0" cellpadding="0" border="0" style="width: 100%; font: 10pt Arial; text-align: justify">



<tr>

   <td style="width: 1%; vertical-align: top; padding-left: 15pt; padding-right: 8pt"><font style="font-size: 9.5pt">&#9679;</font></td>

   <td style="vertical-align: top; width: 99%"><font style="font: x-small Arial">Doubtful&#8212;A doubtful loan has all of the weaknesses inherent in one classified as substandard with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of the currently existing facts, conditions and values, highly questionable and improbable.</font></td></tr></table>

<p style="text-align: justify"><font style="font: x-small Arial">The following tables provide past due information for outstanding commercial loans and include loans on nonaccrual status.</font></p>

<table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse">



<tr style="vertical-align: bottom">

   <td colspan="12" style="border-top: Black 1.5pt solid; width: 100%; white-space: nowrap; text-align: left"><b><font style="font: xx-small Arial"></font></b>&#160;</td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left"></td>

   <td style="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="10" style="border-bottom: Black 1pt solid; width: 20%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b><b><font style="font: xx-small Arial">December 31, 2019</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none">&#160;&#160;&#160;&#160; </td>

   <td colspan="2" style="width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Owner</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial">&#160;&#160;&#160;&#160; </font></b></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Non-owner</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none">&#160;&#160;&#160;&#160; </td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none">&#160;&#160;&#160;&#160; </td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none">&#160;&#160;&#160;&#160; </td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">(dollars in thousands)</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; text-align: right"><b><font style="font: xx-small Arial">occupied RE</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">occupied RE</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Construction</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Business</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Total</font></b></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Current</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;&#160; $</font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">406,594</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">501,676</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">80,486</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">307,710</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,296,466</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">30-59 days past due</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">706</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">151</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">178</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,035</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">60-89 days past due</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Greater than 90 days</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">551</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">51</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">235</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">837</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1.5pt solid; width: 79%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">407,851</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">501,878</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">80,486</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">308,123</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,298,338</font></td></tr>

<tr>

   <td colspan="12" style="width: 100%">&#160;</td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left"></td>

   <td style="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="10" style="border-bottom: Black 1pt solid; width: 20%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b><b><font style="font: xx-small Arial">December 31, 2018</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td colspan="2" style="width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Owner</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Non-owner</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; text-align: right"><b><font style="font: xx-small Arial">occupied RE</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">occupied RE</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Construction</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Business</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Total</font></b></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Current</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">367,018</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">404,179</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">84,411</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">272,864</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,128,472</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">30-59 days past due</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">117</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">36</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">153</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">60-89 days past due</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Greater than 90 days</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">80</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">80</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1.5pt solid; width: 79%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">367,018</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">404,296</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">84,411</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">272,980</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,128,705</font></td></tr></table>


<p style="text-align: justify"><font style="font: x-small Arial">As of December 31, 2019 and 2018, loans 30 days or more past due represented 0.23% and 0.26% of our total loan portfolio, respectively. Commercial loans 30 days or more past due were 0.10% and 0.01% as of December 31, 2019 and 2018, respectively.</font></p>

<p style="text-align: justify"><font style="font: x-small Arial">The tables below provide a breakdown of outstanding commercial loans by risk category.</font></p>

<table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse">



<tr style="vertical-align: bottom">

   <td style="border-top: Black 1.5pt solid; width: 79%; white-space: nowrap; text-align: left">&#160;</td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td colspan="3" style="border-top: Black 1.5pt solid; width: 7%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td colspan="10" style="border-bottom: Black 1pt solid; width: 20%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b><b><font style="font: xx-small Arial">December 31, 2019</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td colspan="2" style="width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Owner</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Non-owner</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">(dollars in thousands)</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160; </td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; text-align: right"><b><font style="font: xx-small Arial">occupied RE</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160; </td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">occupied RE</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160; </td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Construction</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160; </td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Business</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160; </td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Total</font></b></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Pass</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;&#160; $</font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">404,237</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">492,941</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial">&#160;&#160;&#160;&#160; </font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">80,486</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial">&#160;&#160;&#160;&#160; </font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">301,504</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,279,168</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Special Mention</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,312</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">744</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3,108</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">5,164</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Substandard</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,302</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">8,193</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3,511</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">14,006</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Doubtful</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1.5pt solid; width: 79%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">407,851</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">501,878</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">80,486</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">308,123</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,298,338</font></td></tr>

<tr>

   <td colspan="12" style="width: 100%">&#160;</td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left">&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td colspan="10" style="border-bottom: Black 1pt solid; width: 20%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b><b><font style="font: xx-small Arial">December 31, 2018</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td colspan="2" style="width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Owner</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Non-owner</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; text-align: right"><b><font style="font: xx-small Arial">occupied RE</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">occupied RE</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Construction</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Business</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Total</font></b></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Pass</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;&#160; $</font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">363,621</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">400,266</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">84,411</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">266,898</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,115,196</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Special Mention</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">296</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">118</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,971</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3,385</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Substandard</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3,101</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3,912</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3,111</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">10,124</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Doubtful</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1.5pt solid; width: 79%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">367,018</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">404,296</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">84,411</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">272,980</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,128,705</font></td></tr></table>


<p style="text-align: justify"><font style="font: x-small Arial"><i>Consumer<br /></i>We manage a consistent
process for assessing consumer loan credit quality by monitoring our loan grading trends and past due statistics. All loans are
subject to individual risk assessment. Our risk categories include Pass, Special Mention, Substandard, and Doubtful, which are
defined above. Delinquency statistics are also an important indicator of credit quality in the establishment of our allowance
for loan losses.</font></p>
<p style="text-align: justify"><font style="font: x-small Arial">The following tables provide past due information for outstanding consumer loans and include loans on nonaccrual status.</font></p>
<table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse">



<tr style="vertical-align: bottom">

   <td style="border-top: Black 1.5pt solid; width: 79%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">&#160;</font></b></td>

   <td colspan="3" style="border-top: Black 1.5pt solid; width: 7%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left">&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td colspan="10" style="border-bottom: Black 1pt solid; width: 20%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b><b><font style="font: xx-small Arial">December 31, 2019</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">(dollars in thousands)</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160; </td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Real estate</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">&#160;&#160;&#160;&#160;&#160; </font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Home equity</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">&#160;&#160;&#160;&#160;&#160; </font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Construction</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">&#160;&#160;&#160;&#160;&#160; </font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Other</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160; </td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Total</font></b></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Current</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;$</font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">396,445</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">179,051</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">41,471</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">25,650</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">642,617</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">30-59 days past due</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">799</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">369</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">83</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,251</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">60-89 days past due</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">118</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">118</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Greater than 90 days</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,001</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">200</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,201</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1.5pt solid; width: 79%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">398,245</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">179,738</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">41,471</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">25,733</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">645,187</font></td></tr>

<tr>

   <td colspan="12" style="width: 100%">&#160;</td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td colspan="10" style="border-bottom: Black 1pt solid; width: 20%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b><b><font style="font: xx-small Arial">December 31, 2018</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Real estate</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Home equity</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Construction</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Other</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Total</font></b></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Current</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">317,267</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">165,727</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">37,925</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">23,603</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">544,522</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">30-59 days past due</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,555</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">30</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">106</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,691</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">60-89 days past due</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">923</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">113</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,036</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Greater than 90 days</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">198</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">180</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">378</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1.5pt solid; width: 79%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">320,943</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">165,937</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">37,925</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">23,822</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">548,627</font></td></tr></table>


<p style="text-align: justify"><font style="font: x-small Arial">Consumer loans 30 days or more past due were 0.13% and 0.25% as of December 31, 2019 and 2018, respectively.</font></p>

<p style="text-align: justify"><font style="font: x-small Arial">The tables below provide a breakdown of outstanding consumer loans by risk category.</font></p>

<table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse">



<tr style="vertical-align: bottom">

   <td style="border-top: Black 1.5pt solid; width: 79%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">&#160;</font></b></td>

   <td colspan="3" style="border-top: Black 1.5pt solid; width: 7%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td colspan="10" style="border-bottom: Black 1pt solid; width: 20%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b><b><font style="font: xx-small Arial">December 31, 2019</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">(dollars in thousands)</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160; </td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Real estate</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">&#160;&#160;&#160;&#160;&#160; </font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Home equity</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">&#160;&#160;&#160;&#160;&#160; </font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Construction</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">&#160;&#160;&#160;&#160;&#160; </font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Other</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">&#160;&#160;&#160;&#160;&#160; </font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Total</font></b></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Pass</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;$</font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">392,572</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">176,532</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">41,471</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">25,421</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">635,996</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Special Mention</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,267</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">775</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">261</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3,303</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Substandard</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3,406</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,431</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">51</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">5,888</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Doubtful</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Loss</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1.5pt solid; width: 79%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">398,245</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">179,738</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">41,471</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">25,733</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">645,187</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td colspan="3" style="width: 7%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">&#160;</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td colspan="10" style="border-bottom: Black 1pt solid; width: 20%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b><b><font style="font: xx-small Arial">December 31, 2018</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">(dollars in thousands)</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Real estate</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Home equity</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Construction</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Other</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Total</font></b></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Pass</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">314,586</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">162,626</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">37,925</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">23,586</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">538,723</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Special Mention</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,792</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">864</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">139</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,795</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Substandard</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4,565</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,447</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">97</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,109</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Doubtful</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Loss</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1.5pt solid; width: 79%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">320,943</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">165,937</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">37,925</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">23,822</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">548,627</font></td></tr></table>


<p style="text-align: justify"><b><font style="font: x-small Arial">Nonperforming assets</font></b></p>

<p style="text-align: justify"><font style="font: x-small Arial">The following table shows the nonperforming
assets and the related percentage of nonperforming assets to total assets and gross loans. Generally, a loan is placed on nonaccrual
status when it becomes 90 days past due as to principal or interest, or when we believe, after considering economic and business
conditions and collection efforts, that the borrower&#8217;s financial condition is such that collection of the contractual principal
or interest on the loan is doubtful. A payment of interest on a loan that is classified as nonaccrual is recognized as a reduction
in principal when received.</font></p>

<table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse">



<tr style="vertical-align: bottom">

   <td style="border-top: Black 1.5pt solid; width: 93%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="4" style="border-top: Black 1.5pt solid; width: 6%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">&#160;</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 93%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none">&#160;&#160;&#160;&#160;&#160; </td>

   <td colspan="4" style="border-bottom: Black 1pt solid; width: 6%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">December 31,</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 93%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">(dollars in thousands)</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2019</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160; </td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2018</font></b></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 93%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial">Commercial</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 93%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Owner occupied RE</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;$</font></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 93%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Non-owner occupied RE</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">188</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">210</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 93%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Construction</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 93%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Business</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">235</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">81</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 93%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial">Consumer</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 93%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Real estate</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,829</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,980</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 93%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Home equity</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">431</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,006</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 93%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Construction</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 93%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Other</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">12</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; width: 93%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Nonaccruing troubled debt restructurings</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4,111</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,541</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 93%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total nonaccrual loans, including nonaccruing TDRs</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">6,794</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">5,830</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; width: 93%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Other real estate owned</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1.5pt solid; width: 93%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total nonperforming assets</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">6,794</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">5,830</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 93%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Nonperforming assets as a percentage of:</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 93%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Total assets</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">0.30%</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">0.31%</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 93%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Gross loans</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">0.35%</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">0.35%</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 93%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total loans over 90 days past due</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,038</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">458</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 93%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Loans over 90 days past due and still accruing</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1.5pt solid; width: 93%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Accruing TDRs</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">5,219</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">6,742</font></td></tr></table>


<p style="text-align: justify"><font style="font: x-small Arial">Foregone interest income on the nonaccrual loans for the year ended December 31, 2019 was approximately $23,000 and approximately $53,000 for the same period in 2018.</font></p>

<p style="text-align: justify"><b><font style="font: x-small Arial">Impaired Loans</font></b></p>

<p style="text-align: justify"><font style="font: x-small Arial">The table below summarizes key information for impaired loans. Our impaired loans include loans on nonaccrual status and loans modified in a TDR, whether on accrual or nonaccrual status. These impaired loans may have estimated impairment which is included in the allowance for loan losses. Our commercial and consumer impaired loans are evaluated individually to determine the related allowance for loan losses.</font></p>

<table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse">



<tr style="vertical-align: bottom">

   <td style="border-top: Black 1.5pt solid; width: 79%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td colspan="3" style="border-top: Black 1.5pt solid; width: 7%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">&#160;</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td colspan="3" style="border-bottom: Black 1pt solid; width: 7%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">December 31, 2019</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td colspan="3" style="border-bottom: Black 1pt solid; width: 7%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Recorded investment</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Impaired loans</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Impaired loans</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td colspan="2" style="width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Unpaid</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">with no related</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">with related</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Related</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td colspan="2" style="width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Principal</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Impaired</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">allowance for</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">allowance for</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">allowance for</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">(dollars in thousands)</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160; </td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Balance</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160; </td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">loans</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160; </td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">loan losses</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160; </td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">loan losses</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160; </td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">loan losses</font></b></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 79%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial">Commercial</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Owner occupied RE</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;$</font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,791</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,726</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,270</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">456</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">75</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Non-owner occupied RE</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4,512</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4,051</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,419</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,632</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">465</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Construction</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Business</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,620</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,531</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">558</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">973</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">452</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; padding-left: 30pt; width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total commercial</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">8,923</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">8,308</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">5,247</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3,061</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">992</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 79%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial">Consumer</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Real estate</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,727</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,720</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,638</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,082</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">364</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Home equity</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">885</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">838</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">459</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">379</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">66</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Construction</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Other</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">147</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">147</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">147</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">16</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; padding-left: 30pt; width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total consumer</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3,759</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3,705</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,097</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,608</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">446</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1.5pt solid; padding-left: 45pt; width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">12,682</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">12,013</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,344</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4,669</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,438</font></td></tr></table>


<p style="text-align: center"></p>

<table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse">



<tr style="vertical-align: bottom">

   <td style="border-top: Black 1.5pt solid; width: 79%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td colspan="3" style="border-top: Black 1.5pt solid; width: 7%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">&#160;</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td colspan="3" style="border-bottom: Black 1pt solid; width: 7%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">December 31, 2018</font></b></td></tr>
<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td colspan="3" style="border-bottom: Black 1pt solid; width: 7%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Recorded investment</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Impaired loans</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Impaired loans</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td colspan="2" style="width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Unpaid</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">with no related</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">with related</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Related</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td colspan="2" style="width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Principal</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Impaired</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">allowance for</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">allowance for</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">allowance for</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">(dollars in thousands)</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160; </td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Balance</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160; </td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">loans</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160; </td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">loan losses</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160; </td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">loan losses</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160; </td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">loan losses</font></b></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 79%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial">Commercial</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Owner occupied RE</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,827</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,762</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,311</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">451</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">75</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Non-owner occupied RE</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3,321</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,807</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">603</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,204</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">558</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Construction</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Business</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3,745</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,520</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">515</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,005</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">895</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; padding-left: 30pt; width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total commercial</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">9,893</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">8,089</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3,429</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4,660</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,528</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 79%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial">Consumer</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Real estate</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,993</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,892</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,494</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,398</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">456</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Home equity</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,935</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,421</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,421</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Construction</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Other</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">170</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">170</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">170</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">30</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; padding-left: 30pt; width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total consumer</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">5,098</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4,483</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,915</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,568</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">486</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1.5pt solid; padding-left: 45pt; width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">14,991</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">12,572</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">6,344</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">6,228</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,014</font></td></tr></table>


<p style="text-align: justify"><font style="font: x-small Arial">The following table provides the average recorded investment in impaired loans and the amount of interest income recognized on impaired loans after impairment by portfolio segment and class.</font></p>

<table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt">



<tr style="vertical-align: bottom">

   <td colspan="14" style="border-top: Black 1.5pt solid; width: 100%; white-space: nowrap; text-align: left"><b><font style="font: xx-small Arial"></font></b><b><font style="font: xx-small Arial">&#160;</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 75%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td colspan="12" style="border-bottom: Black 1pt solid; width: 24%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b><b><font style="font: xx-small Arial">Year ended December 31,</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 75%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td colspan="4" style="border-bottom: Black 1pt solid; width: 8%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b><b><font style="font: xx-small Arial">2019</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td colspan="3" style="border-bottom: Black 1pt solid; width: 7%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b><b><font style="font: xx-small Arial">2018</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td colspan="3" style="border-bottom: Black 1pt solid; width: 7%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b><b><font style="font: xx-small Arial">2017</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 75%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td colspan="2" style="width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Average</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right">&#160;</td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Recognized</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Average</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right">&#160;</td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Recognized</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Average</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none">&#160;&#160;&#160; </td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Recognized</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 75%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td colspan="2" style="width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">recorded</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">interest</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">recorded</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">interest</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">recorded</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">interest</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 75%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">(dollars in thousands)</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">investment</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">income</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">investment</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">income</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">investment</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">income</font></b></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 75%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial">Commercial</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none">&#160;&#160;&#160; </td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none">&#160;&#160;&#160;</td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none">&#160;&#160;&#160;</td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none">&#160;&#160;&#160;</td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none">&#160;&#160;&#160;</td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 75%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Owner occupied RE</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;&#160;&#160;$</font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,739</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">128</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,784</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">142</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,255</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">104</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 75%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Non-owner occupied RE</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4,161</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">255</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,860</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">174</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4,144</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">199</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 75%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Construction</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 75%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Business</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,582</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">79</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,883</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">162</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,823</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">162</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; padding-left: 30pt; width: 75%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total commercial</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">8,482</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">462</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">8,527</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">478</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">9,222</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">465</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 75%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial">Consumer</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 75%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Real estate</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,771</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">131</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,930</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">151</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,047</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">69</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 75%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Home equity</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">853</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">42</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,453</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">99</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,576</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">97</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 75%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Construction</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 75%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Other</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">153</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">5</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">174</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">5</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">174</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">6</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; padding-left: 30pt; width: 75%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total consumer</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3,777</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">178</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4,557</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">255</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3,797</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">172</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1.5pt solid; padding-left: 45pt; width: 75%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">12,259</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">640</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">13,084</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">733</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">13,019</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">637</font></td></tr></table>




<p style="text-align: center"></p>

<p style="text-align: justify"><b><font style="font: x-small Arial">Allowance for Loan Losses</font></b></p>

<p style="text-align: justify"><font style="font: x-small Arial">The following table summarizes the activity related to our allowance for loan losses:</font></p>

<table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse">



<tr style="vertical-align: bottom">

   <td style="border-top: Black 1.5pt solid; width: 85%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td colspan="8" style="border-top: Black 1.5pt solid; width: 13%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"><b><font style="font: xx-small Arial">&#160;</font></b></font></b></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 85%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td colspan="8" style="border-bottom: Black 1pt solid; width: 13%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b><b><font style="font: xx-small Arial">Year ended December 31,</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 85%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">(dollars in thousands)</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2019</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2018</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2017</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 85%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial">Balance, beginning of period</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none">&#160;&#160;&#160;&#160;&#160; </td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">15,762</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">15,523</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">14,855</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 85%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial">Provision for loan losses</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,300</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none">&#160;&#160;&#160;&#160;&#160; </td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,900</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none">&#160;&#160;&#160;&#160;&#160; </td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,000</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 85%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial">Loan charge-offs:</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 85%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Commercial</font></td>

   <td style="border-width: medium; border-style: none; padding-left: 15pt; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left; padding-left: 15pt"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-width: medium; border-style: none; padding-left: 15pt; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left; padding-left: 15pt"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-width: medium; border-style: none; padding-left: 15pt; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left; padding-left: 15pt"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 85%; white-space: nowrap; text-align: left; padding-left: 30pt"><font style="font: x-small Arial">Owner occupied RE</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(110</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 85%; white-space: nowrap; text-align: left; padding-left: 30pt"><font style="font: x-small Arial">Non-owner occupied RE</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(239</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(432</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(589</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 85%; white-space: nowrap; text-align: left; padding-left: 30pt"><font style="font: x-small Arial">Construction</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; padding-left: 30pt; width: 85%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Business</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(910</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(695</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(638</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; padding-left: 45pt; width: 85%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total commercial</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(1,259</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(1,127</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(1,227</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 85%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Consumer</font></td>

   <td style="border-width: medium; border-style: none; padding-left: 15pt; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left; padding-left: 15pt"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-width: medium; border-style: none; padding-left: 15pt; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left; padding-left: 15pt"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-width: medium; border-style: none; padding-left: 15pt; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left; padding-left: 15pt"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 85%; white-space: nowrap; text-align: left; padding-left: 30pt"><font style="font: x-small Arial">Real estate</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(749</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 85%; white-space: nowrap; text-align: left; padding-left: 30pt"><font style="font: x-small Arial">Home equity</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(174</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(217</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(400</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 85%; white-space: nowrap; text-align: left; padding-left: 30pt"><font style="font: x-small Arial">Construction</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; padding-left: 30pt; width: 85%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Other</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(82</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(53</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(11</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; padding-left: 45pt; width: 85%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total consumer</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(256</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(1,019</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(411</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; padding-left: 60pt; width: 85%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total loan charge-offs</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(1,515</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(2,146</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(1,638</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 85%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial">Loan recoveries:</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 85%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Commercial</font></td>

   <td style="border-width: medium; border-style: none; padding-left: 15pt; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left; padding-left: 15pt"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-width: medium; border-style: none; padding-left: 15pt; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left; padding-left: 15pt"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-width: medium; border-style: none; padding-left: 15pt; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left; padding-left: 15pt"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 85%; white-space: nowrap; text-align: left; padding-left: 30pt"><font style="font: x-small Arial">Owner occupied RE</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 85%; white-space: nowrap; text-align: left; padding-left: 30pt"><font style="font: x-small Arial">Non-owner occupied RE</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">132</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">119</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 85%; white-space: nowrap; text-align: left; padding-left: 30pt"><font style="font: x-small Arial">Construction</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; padding-left: 30pt; width: 85%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Business</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">43</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">229</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">86</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; padding-left: 45pt; width: 85%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total commercial</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">45</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">361</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">205</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 85%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Consumer</font></td>

   <td style="border-width: medium; border-style: none; padding-left: 15pt; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left; padding-left: 15pt"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-width: medium; border-style: none; padding-left: 15pt; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left; padding-left: 15pt"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-width: medium; border-style: none; padding-left: 15pt; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left; padding-left: 15pt"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 85%; white-space: nowrap; text-align: left; padding-left: 30pt"><font style="font: x-small Arial">Real estate</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">37</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">5</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">86</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 85%; white-space: nowrap; text-align: left; padding-left: 30pt"><font style="font: x-small Arial">Home equity</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">115</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">13</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 85%; white-space: nowrap; text-align: left; padding-left: 30pt"><font style="font: x-small Arial">Construction</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; padding-left: 30pt; width: 85%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Other</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">11</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; padding-left: 45pt; width: 85%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total consumer</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">50</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">124</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">101</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; padding-left: 60pt; width: 85%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total recoveries</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">95</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">485</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">306</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; padding-left: 75pt; width: 85%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Net loan charge-offs</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(1,420</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(1,661</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(1,332</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1.5pt solid; width: 85%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial">Balance, end of period</font></b></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">16,642</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">15,762</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">15,523</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td></tr></table>


<p style="text-align: justify"><font style="font: x-small Arial">The following tables summarize the activity in the allowance for loan losses by our commercial and consumer portfolio segments.</font></p>

<table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 100%">



<tr style="vertical-align: bottom">

   <td style="border-top: Black 1.5pt solid; width: 81%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-top: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td colspan="4" style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">&#160;</font></b></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"></td>

   <td colspan="8" style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b><b><font style="font: xx-small Arial">Year ended December 31, 2019</font></b></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">(dollars in thousands)</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Commercial</font></b></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Consumer</font></b></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>



   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Total</font></b></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="white-space: nowrap; text-align: left"><font style="font: x-small Arial">Balance, beginning of period</font></td>

   <td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;&#160;&#160;&#160;&#160; </font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">10,768</font></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;&#160;&#160;&#160;&#160; </font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">4,994</font></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;&#160;&#160;&#160;&#160; </font></td>



   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">15,762</font></td>

   <td style="white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Provision</font></td>

   <td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,818</font></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">482</font></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>



   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,300</font></td>

   <td style="white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Loan charge-offs</font></td>

   <td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">(1,259</font></td>

   <td style="white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">(256</font></td>

   <td style="white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>



   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">(1,515</font></td>

   <td style="white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; padding-left: 15pt; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Loan recoveries</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">45</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">50</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>



   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">95</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; padding-left: 30pt; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Net loan charge-offs</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(1,214</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(206</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>



   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(1,420</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Balance, end of period</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">11,372</font></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">5,270</font></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>



   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">16,642</font></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></td></tr>

<tr>

   <td colspan="11">&#160;&#160; </td></tr>

<tr style="vertical-align: bottom">

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"></td>

   <td colspan="8" style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b><b><font style="font: xx-small Arial">Year ended December 31, 2018</font></b></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Commercial</font></b></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Consumer</font></b></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>



   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Total</font></b></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="white-space: nowrap; text-align: left"><font style="font: x-small Arial">Balance, beginning of period</font></td>

   <td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;&#160;&#160;&#160;$</font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">9,937</font></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">5,586</font></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>



   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">15,523</font></td>

   <td style="white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Provision</font></td>

   <td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,597</font></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">303</font></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>



   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,900</font></td>

   <td style="white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Loan charge-offs</font></td>

   <td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">(1,127</font></td>

   <td style="white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">(1,019</font></td>

   <td style="white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="border-width: medium; border-style: none; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>



   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">(2,146</font></td>

   <td style="white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; padding-left: 15pt; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Loan recoveries</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">361</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">124</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>



   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">485</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; padding-left: 30pt; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Net loan charge-offs</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(766</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(895</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>



   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(1,661</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Balance, end of period</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">10,768</font></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4,994</font></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>



   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">15,762</font></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></td></tr></table>


<p style="text-align: center"></p>

<p style="text-align: justify"><font style="font: x-small Arial">The following table disaggregates our allowance for loan losses and recorded investment in loans by method of impairment evaluation.</font></p>

<table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse">



<tr style="vertical-align: bottom">

   <td style="border-top: Black 1.5pt solid; width: 75%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">&#160;</font></b></td>

   <td colspan="3" style="border-top: Black 1.5pt solid; width: 7%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 75%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td colspan="12" style="border-bottom: Black 1pt solid; width: 24%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b><b><font style="font: xx-small Arial">December 31, 2019</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 75%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td colspan="6" style="border-bottom: Black 1pt solid; width: 12%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Allowance for loan losses</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td colspan="5" style="border-bottom: Black 1pt solid; width: 11%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Recorded investment in loans</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 75%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">(dollars in thousands)</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Commercial</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Consumer</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Total</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Commercial</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Consumer</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160; </td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Total</font></b></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 75%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Individually evaluated</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial">&#160;&#160;&#160;&#160;&#160; </font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">992</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial">&#160;&#160;&#160;&#160;&#160; </font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">446</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial">&#160;&#160;&#160;&#160;&#160; </font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,438</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial">&#160;&#160;&#160;&#160;&#160; </font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">8,308</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial">&#160;&#160;&#160;&#160;&#160; </font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3,705</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">12,013</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 75%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Collectively evaluated</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">10,380</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4,824</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">15,204</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,290,030</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">641,482</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,931,512</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1.5pt solid; padding-left: 15pt; width: 75%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">11,372</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">5,270</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">16,642</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,298,338</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">645,187</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,943,525</font></td></tr>

<tr>

   <td colspan="14" style="width: 100%">&#160;</td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 75%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td colspan="12" style="border-bottom: Black 1pt solid; width: 24%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b><b><font style="font: xx-small Arial">December 31, 2018</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 75%; white-space: nowrap; text-align: left"></td>

   <td style="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></td>

   <td colspan="6" style="border-bottom: Black 1pt solid; width: 12%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Allowance for loan losses</font></b></td>

   <td style="border-top: Black medium none; border-right: Black medium none; border-left: Black medium none; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td colspan="5" style="border-bottom: Black 1pt solid; width: 11%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Recorded investment in loans</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 75%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Commercial</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Consumer</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Total</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Commercial</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Consumer</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Total</font></b></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 75%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Individually evaluated</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;&#160;&#160;&#160;$</font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,528</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">486</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,014</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">8,089</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4,483</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">12,572</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 75%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Collectively evaluated</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">9,240</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4,508</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">13,748</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,120,616</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">544,144</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,664,760</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1.5pt solid; padding-left: 15pt; width: 75%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">10,768</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4,994</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">15,762</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,128,705</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">548,627</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,677,332</font></td></tr></table></div><span></span>
</td>
</tr>
</table>
<div style="display: none;">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccountsNotesLoansAndFinancingReceivableGrossAllowanceAndNetAbstract</td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -URI http://asc.fasb.org/subtopic&amp;trid=2196772<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock</td>
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6931385328">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Stock-Based Compensation (Details Textual) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>May 17, 2016</div></th>
<th class="th"><div>May 20, 2014</div></th>
<th class="th"><div>May 18, 2010</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
<th class="th"><div>Dec. 31, 2018</div></th>
<th class="th"><div>Dec. 31, 2017</div></th>
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<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_StockBasedCompensationTextualAbstract', window );"><strong>Stock-Based Compensation (Textual)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedStockOptions', window );">Unrecognized compensation cost</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 2,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1', window );">Recognized weighted average period</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">2 years 4 months 24 days<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedInPeriodFairValue1', window );">Fair value of stock option grants</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 1,200<span></span>
</td>
<td class="nump">$ 973<span></span>
</td>
<td class="nump">$ 775<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AwardTypeAxis=us-gaap_StockCompensationPlanMember', window );">Stock Compensation Plan [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_StockBasedCompensationTextualAbstract', window );"><strong>Stock-Based Compensation (Textual)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue', window );">Aggregate intrinsic value outstanding</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">8,600<span></span>
</td>
<td class="nump">8,700<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1', window );">Aggregate intrinsic value options exercisable at year-end</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 6,900<span></span>
</td>
<td class="nump">$ 8,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PlanNameAxis=sfst_TwoThousandTenIncentivePlanMember', window );">Two Thousand Ten Incentive Plan [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_StockBasedCompensationTextualAbstract', window );"><strong>Stock-Based Compensation (Textual)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant', window );">Number of stock option available for grant</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">566,025<span></span>
</td>
<td class="nump">366,025<span></span>
</td>
<td class="nump">9,275<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod', window );">Option expiration period</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">10 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_AdjustedPercentageOfStockDividends', window );">Adjusted percentage of stock dividends</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">10.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOtherShareIncreaseDecrease', window );">Additional shares of common stock</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">200,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PlanNameAxis=sfst_TwoThousandSixteenEquityIncentivePlanMember', window );">Two Thousand Sixteen Equity Incentive Plan [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_StockBasedCompensationTextualAbstract', window );"><strong>Stock-Based Compensation (Textual)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant', window );">Number of stock option available for grant</a></td>
<td class="nump">400,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">174,715<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod', window );">Option expiration period</a></td>
<td class="text">10 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_SharesIssuedUnderProvisionOfIssuanceOfSharesOfRestrictedStock', window );">Shares issued under provision of issuance of shares of restricted stock</a></td>
<td class="nump">50,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PlanNameAxis=sfst_RestrictedStockPlanMember', window );">Restricted Stock Plan [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_StockBasedCompensationTextualAbstract', window );"><strong>Stock-Based Compensation (Textual)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant', window );">Number of stock option available for grant</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">32,349<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedStockOptions', window );">Unrecognized compensation cost</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 793,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1', window );">Recognized weighted average period</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">2 years 7 months 6 days<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_AdjustedPercentageOfStockDividends">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Adjusted percentage of stock dividends.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_AdjustedPercentageOfStockDividends</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_SharesIssuedUnderProvisionOfIssuanceOfSharesOfRestrictedStock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Shares issued under provision of issuance of shares of restricted stock.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_SharesIssuedUnderProvisionOfIssuanceOfSharesOfRestrictedStock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_StockBasedCompensationTextualAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Stock-Based Compensation textual.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_StockBasedCompensationTextualAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Weighted-average period over which cost not yet recognized is expected to be recognized for award under share-based payment arrangement, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents reported fact of one year, five months, and thirteen days.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (i)<br> -URI http://asc.fasb.org/extlink&amp;oid=116856206&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedStockOptions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of cost to be recognized for option under share-based payment arrangement.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (i)<br> -URI http://asc.fasb.org/extlink&amp;oid=116856206&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedStockOptions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The difference between the maximum number of shares (or other type of equity) authorized for issuance under the plan (including the effects of amendments and adjustments), and the sum of: 1) the number of shares (or other type of equity) already issued upon exercise of options or other equity-based awards under the plan; and 2) shares (or other type of equity) reserved for issuance on granting of outstanding awards, net of cancellations and forfeitures, if applicable.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=116856206&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount by which the current fair value of the underlying stock exceeds the exercise price of options outstanding.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=116856206&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOtherShareIncreaseDecrease">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Other than shares newly issued, the number of additional shares issued (for example, a stock split) or canceled (for example, to correct a share issuance), during the period under the plan.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=116856206&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOtherShareIncreaseDecrease</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Period from grant date that an equity-based award expires, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=116856206&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of difference between fair value of the underlying shares reserved for issuance and exercise price of vested portions of options outstanding and currently exercisable.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=116856206&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedInPeriodFairValue1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Fair value of options vested. Excludes equity instruments other than options, for example, but not limited to, share units, stock appreciation rights, restricted stock.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=116856206&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedInPeriodFairValue1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AwardTypeAxis=us-gaap_StockCompensationPlanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AwardTypeAxis=us-gaap_StockCompensationPlanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PlanNameAxis=sfst_TwoThousandTenIncentivePlanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PlanNameAxis=sfst_TwoThousandTenIncentivePlanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PlanNameAxis=sfst_TwoThousandSixteenEquityIncentivePlanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PlanNameAxis=sfst_TwoThousandSixteenEquityIncentivePlanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PlanNameAxis=sfst_RestrictedStockPlanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PlanNameAxis=sfst_RestrictedStockPlanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>21
<FILENAME>R19.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<body>
<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6920492368">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Unused Lines of Credit<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2019</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_UnusedLinesOfCreditAbstract', window );"><strong>Unused Lines of Credit [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_UnusedLinesOfCreditTextBlock', window );">Unused Lines of Credit</a></td>
<td class="text"><div><p style="text-align: left"><b><font style="font: x-small Arial">NOTE 12 &#8211; Unused Lines of Credit</font></b></p>
<p style="text-align: justify"><font style="font: x-small Arial">At December 31, 2019, the Company had four lines of credit to purchase federal funds that totaled $72.0 million which were unused at December 31, 2019. The lines of credit are available on a one to 14 day basis for general corporate purposes of the Company. The lender has reserved the right to withdraw the line at their option. The Company has an additional line of credit with the FHLB to borrow funds, subject to a pledge of qualified collateral. The Company has collateral that would support approximately $312.4 million in additional borrowings with the FHLB at December 31, 2019.</font></p></div><span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_UnusedLinesOfCreditAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_UnusedLinesOfCreditAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_UnusedLinesOfCreditTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for Unused lines of credit.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_UnusedLinesOfCreditTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>nonnum:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>22
<FILENAME>R78.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
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</head>
<body>
<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6706472288">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Leases (Details)<br> $ in Thousands</strong></div></th>
<th class="th">
<div>Dec. 31, 2019 </div>
<div>USD ($)</div>
</th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LeasesAbstract', window );"><strong>Leases [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent', window );">Year one</a></td>
<td class="nump">$ 2,103<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears', window );">Year two</a></td>
<td class="nump">2,152<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears', window );">Year three</a></td>
<td class="nump">1,400<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears', window );">Year four</a></td>
<td class="nump">1,273<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFiveYears', window );">Year five</a></td>
<td class="nump">1,305<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OperatingLeasesFutureMinimumPaymentsDueThereafter', window );">Thereafter</a></td>
<td class="nump">17,404<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OperatingLeasesFutureMinimumPaymentsDue', window );">Total undiscounted lease payments</a></td>
<td class="nump">25,637<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_DiscountEffectOfCashFlows', window );">Discount effect of cash flows</a></td>
<td class="nump">5,549<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OperatingLeaseLiability', window );">Total lease liability</a></td>
<td class="nump">$ 20,088<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_DiscountEffectOfCashFlows">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The discount effect of cash flow.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_DiscountEffectOfCashFlows</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LeasesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LeasesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OperatingLeaseLiability">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Present value of lessee's discounted obligation for lease payments from operating lease.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 842<br> -SubTopic 20<br> -Section 45<br> -Paragraph 1<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=77888419&amp;loc=SL77918627-209977<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OperatingLeaseLiability</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OperatingLeasesFutureMinimumPaymentsDue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of required minimum rental payments for leases having an initial or remaining non-cancelable letter-terms in excess of one year.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 840<br> -SubTopic 20<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=77902758&amp;loc=d3e41502-112717<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/otherTransitionRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 840<br> -SubTopic 10<br> -Section 55<br> -Paragraph 40<br> -Subparagraph (Note 3)<br> -URI http://asc.fasb.org/extlink&amp;oid=82846649&amp;loc=d3e38371-112697<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OperatingLeasesFutureMinimumPaymentsDue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of required minimum rental payments for operating leases having an initial or remaining non-cancelable lease term in excess of one year due 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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 840<br> -SubTopic 20<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=77902758&amp;loc=d3e41502-112717<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/otherTransitionRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 840<br> -SubTopic 10<br> -Section 55<br> -Paragraph 40<br> -Subparagraph (Note 3)<br> -URI http://asc.fasb.org/extlink&amp;oid=82846649&amp;loc=d3e38371-112697<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFiveYears">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of required minimum rental payments for operating leases having an initial or remaining non-cancelable lease term in excess of one year due in 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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 840<br> -SubTopic 20<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=77902758&amp;loc=d3e41502-112717<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/otherTransitionRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 840<br> -SubTopic 10<br> -Section 55<br> -Paragraph 40<br> -Subparagraph (Note 3)<br> -URI http://asc.fasb.org/extlink&amp;oid=82846649&amp;loc=d3e38371-112697<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFiveYears</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of required minimum rental payments for operating leases having an initial or remaining non-cancelable lease term in excess of one year due in the fourth 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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 840<br> -SubTopic 20<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=77902758&amp;loc=d3e41502-112717<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/otherTransitionRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 840<br> -SubTopic 10<br> -Section 55<br> -Paragraph 40<br> -Subparagraph (Note 3)<br> -URI http://asc.fasb.org/extlink&amp;oid=82846649&amp;loc=d3e38371-112697<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of required minimum rental payments for operating leases having an initial or remaining non-cancelable lease term in excess of one year due in the third 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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 840<br> -SubTopic 10<br> -Section 55<br> -Paragraph 40<br> -Subparagraph (Note 3)<br> -URI http://asc.fasb.org/extlink&amp;oid=82846649&amp;loc=d3e38371-112697<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/otherTransitionRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 840<br> -SubTopic 20<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=77902758&amp;loc=d3e41502-112717<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of required minimum rental payments for operating leases having an initial or remaining non-cancelable lease term in excess of one year due in the second 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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 840<br> -SubTopic 20<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=77902758&amp;loc=d3e41502-112717<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/otherTransitionRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 840<br> -SubTopic 10<br> -Section 55<br> -Paragraph 40<br> -Subparagraph (Note 3)<br> -URI http://asc.fasb.org/extlink&amp;oid=82846649&amp;loc=d3e38371-112697<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OperatingLeasesFutureMinimumPaymentsDueThereafter">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of required minimum rental payments for operating leases having an initial or remaining non-cancelable lease term in excess of one year due after 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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 840<br> -SubTopic 10<br> -Section 55<br> -Paragraph 40<br> -Subparagraph (Note 3)<br> -URI http://asc.fasb.org/extlink&amp;oid=82846649&amp;loc=d3e38371-112697<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/otherTransitionRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 840<br> -SubTopic 20<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=77902758&amp;loc=d3e41502-112717<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OperatingLeasesFutureMinimumPaymentsDueThereafter</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
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<head>
<title></title>
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6648145952">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Unused Lines of Credit (Details)<br> $ in Millions</strong></div></th>
<th class="th">
<div>Dec. 31, 2019 </div>
<div>USD ($)</div>
</th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_UnusedLinesOfCreditAbstract', window );"><strong>Unused Lines of Credit [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity', window );">Lines of credit to purchase federal funds</a></td>
<td class="nump">$ 72.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_AdditionalBorrowingsUnderFederalHomeLoanBank', window );">Additional borrowings under FHLB</a></td>
<td class="nump">$ 312.4<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_AdditionalBorrowingsUnderFederalHomeLoanBank">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Additional borrowings under Federal Home Loan Bank.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_AdditionalBorrowingsUnderFederalHomeLoanBank</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_UnusedLinesOfCreditAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_UnusedLinesOfCreditAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Maximum borrowing capacity under the credit facility without consideration of any current restrictions on the amount that could be borrowed or the amounts currently outstanding under the facility.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.19(b),22(b))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<DOCUMENT>
<TYPE>XML
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<TEXT>
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<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6915799616">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Loans and Allowance for Loan Losses (Details 10) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2019</div></th>
<th class="th"><div>Dec. 31, 2018</div></th>
<th class="th"><div>Dec. 31, 2017</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward', window );"><strong>Summary of activity related to our allowance for loan losses</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Balance, beginning of period</a></td>
<td class="nump">$ 15,762<span></span>
</td>
<td class="nump">$ 15,523<span></span>
</td>
<td class="nump">$ 14,855<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses', window );">Provision</a></td>
<td class="nump">2,300<span></span>
</td>
<td class="nump">1,900<span></span>
</td>
<td class="nump">2,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs', window );">Loan charge-offs</a></td>
<td class="num">(1,515)<span></span>
</td>
<td class="num">(2,146)<span></span>
</td>
<td class="num">(1,638)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ValuationAllowancesAndReservesRecoveries', window );">Loan recoveries</a></td>
<td class="nump">95<span></span>
</td>
<td class="nump">485<span></span>
</td>
<td class="nump">306<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_AllowanceForLoanAndLeaseLossesWriteOffsNetOfRecoveries', window );">Net loan charge-offs</a></td>
<td class="num">(1,420)<span></span>
</td>
<td class="num">(1,661)<span></span>
</td>
<td class="num">(1,332)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Balance, end of period</a></td>
<td class="nump">16,642<span></span>
</td>
<td class="nump">15,762<span></span>
</td>
<td class="nump">15,523<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialPortfolioSegmentMember', window );">Commercial Portfolio Segment [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward', window );"><strong>Summary of activity related to our allowance for loan losses</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Balance, beginning of period</a></td>
<td class="nump">10,768<span></span>
</td>
<td class="nump">9,937<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses', window );">Provision</a></td>
<td class="nump">1,818<span></span>
</td>
<td class="nump">1,597<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs', window );">Loan charge-offs</a></td>
<td class="num">(1,259)<span></span>
</td>
<td class="num">(1,127)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ValuationAllowancesAndReservesRecoveries', window );">Loan recoveries</a></td>
<td class="nump">45<span></span>
</td>
<td class="nump">361<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_AllowanceForLoanAndLeaseLossesWriteOffsNetOfRecoveries', window );">Net loan charge-offs</a></td>
<td class="num">(1,214)<span></span>
</td>
<td class="num">(766)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Balance, end of period</a></td>
<td class="nump">11,372<span></span>
</td>
<td class="nump">10,768<span></span>
</td>
<td class="nump">9,937<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerPortfolioSegmentMember', window );">Consumer Portfolio Segment [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward', window );"><strong>Summary of activity related to our allowance for loan losses</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Balance, beginning of period</a></td>
<td class="nump">4,994<span></span>
</td>
<td class="nump">5,586<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses', window );">Provision</a></td>
<td class="nump">482<span></span>
</td>
<td class="nump">303<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs', window );">Loan charge-offs</a></td>
<td class="num">(256)<span></span>
</td>
<td class="num">(1,019)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ValuationAllowancesAndReservesRecoveries', window );">Loan recoveries</a></td>
<td class="nump">50<span></span>
</td>
<td class="nump">124<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_AllowanceForLoanAndLeaseLossesWriteOffsNetOfRecoveries', window );">Net loan charge-offs</a></td>
<td class="num">(206)<span></span>
</td>
<td class="num">(895)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Balance, end of period</a></td>
<td class="nump">$ 5,270<span></span>
</td>
<td class="nump">$ 4,994<span></span>
</td>
<td class="nump">$ 5,586<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_AllowanceForLoanAndLeaseLossesWriteOffsNetOfRecoveries">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Allowance for loan and lease losses write offs net of recoveries.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_AllowanceForLoanAndLeaseLossesWriteOffsNetOfRecoveries</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of loans and leases that have been written off from both loan receivables and allowance reserve for credit loss.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (c)(3)<br> -URI http://asc.fasb.org/extlink&amp;oid=118936363&amp;loc=SL6953423-111524<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.7(d))<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableAllowanceForCreditLosses">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of allowance for credit loss on financing receivable. Excludes allowance for financing receivable covered under loss sharing agreement.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=118936363&amp;loc=SL6953423-111524<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=118955202&amp;loc=SL82895884-210446<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=119407570&amp;loc=SL82919249-210447<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(7)(d))<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (f)<br> -URI http://asc.fasb.org/extlink&amp;oid=119407570&amp;loc=SL82919249-210447<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableAllowanceForCreditLosses</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (c)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=118936363&amp;loc=SL6953423-111524<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.11)<br> -URI http://asc.fasb.org/extlink&amp;oid=116637391&amp;loc=SL114874048-224260<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=118932676&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProvisionForLoanLeaseAndOtherLosses</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ValuationAllowancesAndReservesRecoveries">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of increase in valuation and qualifying accounts and reserves from recovery of amount previously written off or reestablishment of reserve previously utilized.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 4<br> -Subparagraph (SX 210.12-09)<br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e24092-122690<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ValuationAllowancesAndReservesRecoveries</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialPortfolioSegmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialPortfolioSegmentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerPortfolioSegmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerPortfolioSegmentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>25
<FILENAME>R80.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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</head>
<body>
<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6809374720">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Other Real Estate Owned (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2019</div></th>
<th class="th"><div>Dec. 31, 2018</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherRealEstateRollForward', window );"><strong>Summary of activity of real estate acquired in settlement of loans portion of other real estate owned</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherRealEstate', window );">Balance, beginning of year</a></td>
<td class="text"> <span></span>
</td>
<td class="nump">$ 242<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherRealEstateAdditions', window );">Additions</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherRealEstateDisposals', window );">Sales</a></td>
<td class="text"> <span></span>
</td>
<td class="num">(125)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_OtherRealEstateWriteDowns', window );">Write-downs, net</a></td>
<td class="text"> <span></span>
</td>
<td class="num">(117)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherRealEstate', window );">Balance, end of year</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_OtherRealEstateWriteDowns">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Other real estate write downs.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_OtherRealEstateWriteDowns</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherRealEstate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Carrying amount of other real estate not separately disclosed, including, but not limited to, real estate investments, real estate loans that qualify as investments in real estate, and premises that are no longer used in operations may also be included in real estate owned. This does not include real estate assets taken in settlement of troubled loans through surrender or foreclosure.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.10(4))<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherRealEstate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherRealEstateAdditions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Additions of other real estate not separately disclosed, including, but not limited to, real estate investments, real estate loans that qualify as investments in real estate, and premises that are no longer used in operations may also be included in real estate owned. This excludes real estate assets taken in settlement of troubled loans through surrender or foreclosure.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherRealEstateAdditions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherRealEstateDisposals">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disposals of other real estate not separately disclosed, including, but not limited to, real estate investments, real estate loans that qualify as investments in real estate, and premises that are no longer used in operations may also be included in real estate owned. This excludes real estate assets taken in settlement of troubled loans through surrender or foreclosure.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherRealEstateDisposals</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherRealEstateRollForward">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherRealEstateRollForward</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>26
<FILENAME>R84.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
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</head>
<body>
<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6932065456">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Deposits (Details Textual) - USD ($)<br> $ in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2019</div></th>
<th class="th"><div>Dec. 31, 2018</div></th>
<th class="th"><div>Dec. 31, 2017</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepositsAbstract', window );"><strong>Deposits [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDeposits100000OrMore', window );">Time deposits greater $250,000</a></td>
<td class="nump">$ 220.1<span></span>
</td>
<td class="nump">$ 214.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_TimeDepositsObtainedOutsideOfPrimaryMarket', window );">Time deposits obtained outside of primary market</a></td>
<td class="nump">67.4<span></span>
</td>
<td class="nump">79.3<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpenseTimeDeposits100000OrMore', window );">Interest expense on time deposits greater than $100,000</a></td>
<td class="nump">$ 6.9<span></span>
</td>
<td class="nump">$ 4.7<span></span>
</td>
<td class="nump">$ 2.7<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_TimeDepositsObtainedOutsideOfPrimaryMarket">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of time deposits that were obtained outside of the company's primary market.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_TimeDepositsObtainedOutsideOfPrimaryMarket</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DepositsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DepositsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestExpenseTimeDeposits100000OrMore">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Interest expense incurred on time deposits, including certificates of deposits, of $100,000 or more in domestic offices.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.6)<br> -URI http://asc.fasb.org/extlink&amp;oid=116637391&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestExpenseTimeDeposits100000OrMore</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDeposits100000OrMore">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of time deposit liabilities, including certificates of deposit, in denominations of $100,000 or more.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher SEC<br> -Name Industry Guide<br> -Number 3<br> -Section V<br> -Paragraph D-E<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TimeDeposits100000OrMore</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>27
<FILENAME>R74.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
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							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6916654224">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Troubled Debt Restructurings (Details Textual)<br> $ in Millions</strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th">
<div>Dec. 31, 2019 </div>
<div>USD ($) </div>
<div>Investments</div>
</th>
<th class="th">
<div>Dec. 31, 2018 </div>
<div>USD ($) </div>
<div>Investments</div>
</th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_TroubledDebtRestructuringsTextualAbstract', window );"><strong>Troubled Debt Restructurings (Textual)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_AggregateNumberOfLoansClassifiedUnderTroubledDebtRestructurings', window );">Total number of loans classified under troubled debt restructurings (TDRs)</a></td>
<td class="nump">19<span></span>
</td>
<td class="nump">26<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_AggregateSumOfLoansClassifiedAsTroubledDebtRestructurings', window );">Total sum of loans classified as troubled debt restructurings (TDRs) | $</a></td>
<td class="nump">$ 9.3<span></span>
</td>
<td class="nump">$ 9.3<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_NumberOfMonthPaymentDefaulted', window );">Number of months previous loan payment defaulted</a></td>
<td class="text">12 months<span></span>
</td>
<td class="text">12 months<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_CommercialLoanMember', window );">Commercial [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_TroubledDebtRestructuringsTextualAbstract', window );"><strong>Troubled Debt Restructurings (Textual)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_AggregateNumberOfLoansAddedUnderTroubledDebtRestructurings', window );">Total number of loans added under troubled debt restructurings (TDRs)</a></td>
<td class="nump">1<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_AggregateSumOfLoansAddedAsTroubledDebtRestructurings', window );">Total sum of loans added as troubled debt restructurings (TDRs) | $</a></td>
<td class="nump">$ 1.8<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_AggregateNumberOfLoansRemovedUnderTroubledDebtRestructurings', window );">Total number of loans removed under TDR</a></td>
<td class="nump">9<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_RestoredNonaccrualLoans', window );">Total number of nonaccrual loans restored</a></td>
<td class="nump">5<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_AggregateNumberOfLoansAddedUnderTroubledDebtRestructurings">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Aggregate number of loans added under troubled debt restructurings.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_AggregateNumberOfLoansAddedUnderTroubledDebtRestructurings</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_AggregateNumberOfLoansClassifiedUnderTroubledDebtRestructurings">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Aggregate number of loans classified under troubled debt restructurings.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_AggregateNumberOfLoansClassifiedUnderTroubledDebtRestructurings</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_AggregateNumberOfLoansRemovedUnderTroubledDebtRestructurings">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Aggregate number of loans removed under troubled debt restructurings.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_AggregateNumberOfLoansRemovedUnderTroubledDebtRestructurings</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_AggregateSumOfLoansAddedAsTroubledDebtRestructurings">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Aggregate sum of loans added as troubled debt restructurings.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_AggregateSumOfLoansAddedAsTroubledDebtRestructurings</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_AggregateSumOfLoansClassifiedAsTroubledDebtRestructurings">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Aggregate sum of loans classified as troubled debt restructurings.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_AggregateSumOfLoansClassifiedAsTroubledDebtRestructurings</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_NumberOfMonthPaymentDefaulted">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of month payment defaulted.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_NumberOfMonthPaymentDefaulted</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_RestoredNonaccrualLoans">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Restored nonaccrual loans.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_RestoredNonaccrualLoans</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_TroubledDebtRestructuringsTextualAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>It covers narrative parts of troubled debt restructurings note.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_TroubledDebtRestructuringsTextualAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=us-gaap_CommercialLoanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_CommercialLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6812155888">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Investment Securities (Details 3) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
<th class="th"><div>Dec. 31, 2018</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherInvestmentsAbstract', window );"><strong>Other investments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InvestmentInFederalHomeLoanBankStockFairValueDisclosure', window );">Federal Home Loan Bank stock</a></td>
<td class="nump">$ 6,386<span></span>
</td>
<td class="nump">$ 3,587<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CertificatesOfDepositAtCarryingValue', window );">Other investments</a></td>
<td class="nump">159<span></span>
</td>
<td class="nump">131<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_InvestmentInTrustPreferredSubsidiaries', window );">Investment in Trust Preferred subsidiaries</a></td>
<td class="nump">403<span></span>
</td>
<td class="nump">403<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherInvestments', window );">Total other investments</a></td>
<td class="nump">$ 6,948<span></span>
</td>
<td class="nump">$ 4,121<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_InvestmentInTrustPreferredSubsidiaries">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Investment in Trust Preferred subsidiaries.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_InvestmentInTrustPreferredSubsidiaries</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CertificatesOfDepositAtCarryingValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.1)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CertificatesOfDepositAtCarryingValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InvestmentInFederalHomeLoanBankStockFairValueDisclosure">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Fair value portion of investments in Federal Home Loan Bank (FHLBank) stock.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InvestmentInFederalHomeLoanBankStockFairValueDisclosure</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
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<td><strong> Data Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherInvestments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of investments classified as other.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03.1(f,g))<br> -URI http://asc.fasb.org/extlink&amp;oid=119400593&amp;loc=d3e572229-122910<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.12)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherInvestments</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherInvestmentsAbstract">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherInvestmentsAbstract</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<DOCUMENT>
<TYPE>XML
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<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6927770144">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Summary of Significant Accounting Policies and Activities (Details) - USD ($)<br></strong></div></th>
<th class="th" colspan="1">1 Months Ended</th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 22, 2017</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
<th class="th"><div>Dec. 31, 2018</div></th>
<th class="th"><div>Dec. 31, 2017</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EffectOfFourthQuarterEventsLineItems', window );"><strong>Effect of Fourth Quarter Events [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_RealEstateLoanPercentageOfAggregateLoan', window );">Real estate loan percentage of total loan</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">82.80%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_InvestmentInTrusts', window );">Investment in trusts</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 403,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_IncomeTaxDescription', window );">Description of tax</a></td>
<td class="text">The Tax Act was signed into law and includes numerous provisions that impact the Company, most notably a reduction in the corporate tax rate from the maximum rate of 35% to a flat rate of 21%.<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxReconciliationOtherAdjustments', window );">Incremental income tax expense</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(98,000)<span></span>
</td>
<td class="num">$ (124,000)<span></span>
</td>
<td class="num">$ (330,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashEquivalentsAtCarryingValue', window );">Cash and cash equivalents</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 6,000,000<span></span>
</td>
<td class="nump">$ 4,900,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EffectOfFourthQuarterEventsByTypeAxis=sfst_FourthQuarterMember', window );">Fourth Quarter [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EffectOfFourthQuarterEventsLineItems', window );"><strong>Effect of Fourth Quarter Events [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxReconciliationOtherAdjustments', window );">Incremental income tax expense</a></td>
<td class="nump">$ 2,400,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
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<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_IncomeTaxDescription">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Description of income tax.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_IncomeTaxDescription</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>xbrli:stringItemType</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_InvestmentInTrusts">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Investment in trusts.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_InvestmentInTrusts</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_RealEstateLoanPercentageOfAggregateLoan">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Real estate loan percentage of aggregate loan.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_RealEstateLoanPercentageOfAggregateLoan</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
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<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashEquivalentsAtCarryingValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of 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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.1)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CashEquivalentsAtCarryingValue</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EffectOfFourthQuarterEventsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EffectOfFourthQuarterEventsLineItems</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>na</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxReconciliationOtherAdjustments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of the difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying the domestic federal statutory income tax rates to pretax income (loss) from continuing operations attributable to other adjustments.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 12<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32687-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeTaxReconciliationOtherAdjustments</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EffectOfFourthQuarterEventsByTypeAxis=sfst_FourthQuarterMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EffectOfFourthQuarterEventsByTypeAxis=sfst_FourthQuarterMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>30
<FILENAME>R65.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6915484960">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Loans and Allowance for Loan Losses (Details 5) - Consumer [Member] - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
<th class="th"><div>Dec. 31, 2018</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_OutstandingLoansByRiskCategoryAbstract', window );"><strong>Outstanding commercial and consumer loans by risk category</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableBeforeFeesGross', window );">Outstanding consumer loans</a></td>
<td class="nump">$ 645,187<span></span>
</td>
<td class="nump">$ 548,627<span></span>
</td>
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<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember', window );">Other [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_OutstandingLoansByRiskCategoryAbstract', window );"><strong>Outstanding commercial and consumer loans by risk category</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableBeforeFeesGross', window );">Outstanding consumer loans</a></td>
<td class="nump">25,733<span></span>
</td>
<td class="nump">23,822<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember', window );">Loss [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_OutstandingLoansByRiskCategoryAbstract', window );"><strong>Outstanding commercial and consumer loans by risk category</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableBeforeFeesGross', window );">Outstanding consumer loans</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember', window );">Loss [Member] | Other [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_OutstandingLoansByRiskCategoryAbstract', window );"><strong>Outstanding commercial and consumer loans by risk category</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableBeforeFeesGross', window );">Outstanding consumer loans</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember', window );">Special Mention [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_OutstandingLoansByRiskCategoryAbstract', window );"><strong>Outstanding commercial and consumer loans by risk category</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableBeforeFeesGross', window );">Outstanding consumer loans</a></td>
<td class="nump">3,303<span></span>
</td>
<td class="nump">2,795<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember', window );">Special Mention [Member] | Other [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_OutstandingLoansByRiskCategoryAbstract', window );"><strong>Outstanding commercial and consumer loans by risk category</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableBeforeFeesGross', window );">Outstanding consumer loans</a></td>
<td class="nump">261<span></span>
</td>
<td class="nump">139<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember', window );">Doubtful [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_OutstandingLoansByRiskCategoryAbstract', window );"><strong>Outstanding commercial and consumer loans by risk category</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableBeforeFeesGross', window );">Outstanding consumer loans</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember', window );">Doubtful [Member] | Other [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_OutstandingLoansByRiskCategoryAbstract', window );"><strong>Outstanding commercial and consumer loans by risk category</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableBeforeFeesGross', window );">Outstanding consumer loans</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember', window );">Substandard [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_OutstandingLoansByRiskCategoryAbstract', window );"><strong>Outstanding commercial and consumer loans by risk category</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableBeforeFeesGross', window );">Outstanding consumer loans</a></td>
<td class="nump">5,888<span></span>
</td>
<td class="nump">7,109<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember', window );">Substandard [Member] | Other [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_OutstandingLoansByRiskCategoryAbstract', window );"><strong>Outstanding commercial and consumer loans by risk category</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableBeforeFeesGross', window );">Outstanding consumer loans</a></td>
<td class="nump">51<span></span>
</td>
<td class="nump">97<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember', window );">Pass [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_OutstandingLoansByRiskCategoryAbstract', window );"><strong>Outstanding commercial and consumer loans by risk category</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableBeforeFeesGross', window );">Outstanding consumer loans</a></td>
<td class="nump">635,996<span></span>
</td>
<td class="nump">538,723<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember', window );">Pass [Member] | Other [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_OutstandingLoansByRiskCategoryAbstract', window );"><strong>Outstanding commercial and consumer loans by risk category</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableBeforeFeesGross', window );">Outstanding consumer loans</a></td>
<td class="nump">25,421<span></span>
</td>
<td class="nump">23,586<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember', window );">Real estate [Member] | Loss [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_OutstandingLoansByRiskCategoryAbstract', window );"><strong>Outstanding commercial and consumer loans by risk category</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableBeforeFeesGross', window );">Outstanding consumer loans</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember', window );">Real estate [Member] | Special Mention [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_OutstandingLoansByRiskCategoryAbstract', window );"><strong>Outstanding commercial and consumer loans by risk category</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableBeforeFeesGross', window );">Outstanding consumer loans</a></td>
<td class="nump">2,267<span></span>
</td>
<td class="nump">1,792<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember', window );">Real estate [Member] | Doubtful [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_OutstandingLoansByRiskCategoryAbstract', window );"><strong>Outstanding commercial and consumer loans by risk category</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableBeforeFeesGross', window );">Outstanding consumer loans</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember', window );">Real estate [Member] | Substandard [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_OutstandingLoansByRiskCategoryAbstract', window );"><strong>Outstanding commercial and consumer loans by risk category</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableBeforeFeesGross', window );">Outstanding consumer loans</a></td>
<td class="nump">3,406<span></span>
</td>
<td class="nump">4,565<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember', window );">Real estate [Member] | Pass [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_OutstandingLoansByRiskCategoryAbstract', window );"><strong>Outstanding commercial and consumer loans by risk category</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableBeforeFeesGross', window );">Outstanding consumer loans</a></td>
<td class="nump">392,572<span></span>
</td>
<td class="nump">314,586<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember', window );">Home equity [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_OutstandingLoansByRiskCategoryAbstract', window );"><strong>Outstanding commercial and consumer loans by risk category</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableBeforeFeesGross', window );">Outstanding consumer loans</a></td>
<td class="nump">179,738<span></span>
</td>
<td class="nump">165,937<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember', window );">Home equity [Member] | Loss [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_OutstandingLoansByRiskCategoryAbstract', window );"><strong>Outstanding commercial and consumer loans by risk category</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableBeforeFeesGross', window );">Outstanding consumer loans</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember', window );">Home equity [Member] | Special Mention [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_OutstandingLoansByRiskCategoryAbstract', window );"><strong>Outstanding commercial and consumer loans by risk category</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableBeforeFeesGross', window );">Outstanding consumer loans</a></td>
<td class="nump">775<span></span>
</td>
<td class="nump">864<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember', window );">Home equity [Member] | Doubtful [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_OutstandingLoansByRiskCategoryAbstract', window );"><strong>Outstanding commercial and consumer loans by risk category</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableBeforeFeesGross', window );">Outstanding consumer loans</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember', window );">Home equity [Member] | Substandard [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_OutstandingLoansByRiskCategoryAbstract', window );"><strong>Outstanding commercial and consumer loans by risk category</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableBeforeFeesGross', window );">Outstanding consumer loans</a></td>
<td class="nump">2,431<span></span>
</td>
<td class="nump">2,447<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember', window );">Home equity [Member] | Pass [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_OutstandingLoansByRiskCategoryAbstract', window );"><strong>Outstanding commercial and consumer loans by risk category</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableBeforeFeesGross', window );">Outstanding consumer loans</a></td>
<td class="nump">176,532<span></span>
</td>
<td class="nump">162,626<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember', window );">Construction [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_OutstandingLoansByRiskCategoryAbstract', window );"><strong>Outstanding commercial and consumer loans by risk category</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableBeforeFeesGross', window );">Outstanding consumer loans</a></td>
<td class="nump">41,471<span></span>
</td>
<td class="nump">37,925<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember', window );">Construction [Member] | Loss [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_OutstandingLoansByRiskCategoryAbstract', window );"><strong>Outstanding commercial and consumer loans by risk category</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableBeforeFeesGross', window );">Outstanding consumer loans</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember', window );">Construction [Member] | Special Mention [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_OutstandingLoansByRiskCategoryAbstract', window );"><strong>Outstanding commercial and consumer loans by risk category</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableBeforeFeesGross', window );">Outstanding consumer loans</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember', window );">Construction [Member] | Doubtful [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_OutstandingLoansByRiskCategoryAbstract', window );"><strong>Outstanding commercial and consumer loans by risk category</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableBeforeFeesGross', window );">Outstanding consumer loans</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember', window );">Construction [Member] | Substandard [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_OutstandingLoansByRiskCategoryAbstract', window );"><strong>Outstanding commercial and consumer loans by risk category</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableBeforeFeesGross', window );">Outstanding consumer loans</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember', window );">Construction [Member] | Pass [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_OutstandingLoansByRiskCategoryAbstract', window );"><strong>Outstanding commercial and consumer loans by risk category</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableBeforeFeesGross', window );">Outstanding consumer loans</a></td>
<td class="nump">41,471<span></span>
</td>
<td class="nump">37,925<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember', window );">Real Estate [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_OutstandingLoansByRiskCategoryAbstract', window );"><strong>Outstanding commercial and consumer loans by risk category</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableBeforeFeesGross', window );">Outstanding consumer loans</a></td>
<td class="nump">$ 398,245<span></span>
</td>
<td class="nump">$ 320,943<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_OutstandingLoansByRiskCategoryAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_OutstandingLoansByRiskCategoryAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableBeforeFeesGross">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount, before allowance and fees, of loans and leases receivable. Excludes loans and leases covered under loss sharing agreements.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=118952595&amp;loc=d3e4428-111522<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LoansAndLeasesReceivableBeforeFeesGross</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongtermDebtTypeAxis=sfst_OtherConsumerMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LongtermDebtTypeAxis=sfst_OtherConsumerMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InternalCreditAssessmentAxis=sfst_LossMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InternalCreditAssessmentAxis=sfst_LossMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_SpecialMentionMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InternalCreditAssessmentAxis=us-gaap_SpecialMentionMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_DoubtfulMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InternalCreditAssessmentAxis=us-gaap_DoubtfulMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_SubstandardMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InternalCreditAssessmentAxis=us-gaap_SubstandardMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_PassMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InternalCreditAssessmentAxis=us-gaap_PassMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_RealEstateLoanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_RealEstateLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_HomeEquityLoanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_HomeEquityLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConstructionLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConstructionLoansMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_RealEstateMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_RealEstateMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>31
<FILENAME>R7.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6932284528">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2019</div></th>
<th class="th"><div>Dec. 31, 2018</div></th>
<th class="th"><div>Dec. 31, 2017</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract', window );"><strong>Operating activities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
<td class="nump">$ 27,858<span></span>
</td>
<td class="nump">$ 22,289<span></span>
</td>
<td class="nump">$ 13,045<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract', window );"><strong>Adjustments to reconcile net income to cash provided by operating activities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses', window );">Provision for loan losses</a></td>
<td class="nump">2,300<span></span>
</td>
<td class="nump">1,900<span></span>
</td>
<td class="nump">2,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepreciationAmortizationAndAccretionNet', window );">Depreciation and other amortization</a></td>
<td class="nump">1,888<span></span>
</td>
<td class="nump">1,755<span></span>
</td>
<td class="nump">1,460<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments', window );">Accretion and amortization of securities discounts and premiums, net</a></td>
<td class="nump">432<span></span>
</td>
<td class="nump">437<span></span>
</td>
<td class="nump">582<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GainLossOnSaleOfInvestments', window );">Gain on sale of investment securities available for sale</a></td>
<td class="num">(727)<span></span>
</td>
<td class="num">(7)<span></span>
</td>
<td class="num">(4)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_OperatingLeasePayment', window );">Net change in operating leases</a></td>
<td class="nump">585<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensation', window );">Compensation expense related to stock options and restricted stock grants</a></td>
<td class="nump">1,698<span></span>
</td>
<td class="nump">1,502<span></span>
</td>
<td class="nump">1,258<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GainLossOnSalesOfLoansNet', window );">Gain on sale of loans held for sale</a></td>
<td class="num">(10,219)<span></span>
</td>
<td class="num">(5,144)<span></span>
</td>
<td class="num">(5,752)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsForOriginationAndPurchasesOfLoansHeldForSale', window );">Loans originated and held for sale</a></td>
<td class="num">(380,632)<span></span>
</td>
<td class="num">(204,429)<span></span>
</td>
<td class="num">(192,347)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromSaleOfLoansHeldForSale', window );">Proceeds from sale of loans held for sale</a></td>
<td class="nump">373,046<span></span>
</td>
<td class="nump">212,122<span></span>
</td>
<td class="nump">194,110<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_BankOwnedLifeInsuranceIncome', window );">Increase in cash surrender value of bank owned life insurance</a></td>
<td class="num">(1,001)<span></span>
</td>
<td class="num">(878)<span></span>
</td>
<td class="num">(811)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInDeferredIncomeTaxes', window );">(Increase) decrease in deferred tax asset</a></td>
<td class="num">(420)<span></span>
</td>
<td class="num">(115)<span></span>
</td>
<td class="nump">2,904<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInOtherOperatingAssets', window );">(Increase) decrease in other assets, net</a></td>
<td class="num">(600)<span></span>
</td>
<td class="nump">325<span></span>
</td>
<td class="num">(1,183)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities', window );">Increase in other liabilities, net</a></td>
<td class="nump">4,074<span></span>
</td>
<td class="nump">1,946<span></span>
</td>
<td class="nump">1,931<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInOperatingActivities', window );">Net cash provided by operating activities</a></td>
<td class="nump">18,282<span></span>
</td>
<td class="nump">31,703<span></span>
</td>
<td class="nump">17,193<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_IncreaseDecreaseInCashRealizedInvestingActivitiesAbstract', window );"><strong>Increase (decrease) in cash realized from:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsForProceedsFromLoansAndLeases', window );">Increase in loans, net</a></td>
<td class="num">(267,613)<span></span>
</td>
<td class="num">(291,923)<span></span>
</td>
<td class="num">(225,047)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment', window );">Purchase of property and equipment</a></td>
<td class="num">(8,431)<span></span>
</td>
<td class="num">(1,943)<span></span>
</td>
<td class="num">(5,381)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_PaymentToAcquireMarketableSecuritiesAbstract', window );"><strong>Purchase of investment securities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsToAcquireAvailableForSaleSecurities', window );">Available for sale</a></td>
<td class="num">(39,930)<span></span>
</td>
<td class="num">(23,181)<span></span>
</td>
<td class="num">(21,972)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsToAcquireOtherInvestments', window );">Other investments</a></td>
<td class="num">(4,675)<span></span>
</td>
<td class="num">(46)<span></span>
</td>
<td class="num">(3,086)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities', window );">Available for sale</a></td>
<td class="nump">19,212<span></span>
</td>
<td class="nump">9,025<span></span>
</td>
<td class="nump">9,644<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfOtherInvestments', window );">Other investments</a></td>
<td class="nump">1,848<span></span>
</td>
<td class="nump">387<span></span>
</td>
<td class="nump">4,366<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromSaleMaturityAndCollectionsOfInvestmentsAbstract', window );"><strong>Proceeds from sale of investment securities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities', window );">Proceeds from sale of investment securities available for sale</a></td>
<td class="nump">29,006<span></span>
</td>
<td class="nump">5,841<span></span>
</td>
<td class="nump">8,813<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsToAcquireLifeInsurancePolicies', window );">Purchase of life insurance policies</a></td>
<td class="num">(5,000)<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="num">(6,850)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromSaleOfWhollyOwnedRealEstateAndRealEstateAcquiredInSettlementOfLoans', window );">Proceeds from sale of other real estate owned</a></td>
<td class="text"> <span></span>
</td>
<td class="nump">132<span></span>
</td>
<td class="nump">498<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInInvestingActivities', window );">Net cash used for investing activities</a></td>
<td class="num">(275,583)<span></span>
</td>
<td class="num">(301,708)<span></span>
</td>
<td class="num">(239,015)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_IncreaseDecreaseInCashRealizedFinancingActivitiesAbstract', window );"><strong>Increase (decrease) in cash realized from:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInDeposits', window );">Increase in deposits, net</a></td>
<td class="nump">227,988<span></span>
</td>
<td class="nump">267,013<span></span>
</td>
<td class="nump">289,972<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_IncreaseDecreaseInFederalHomeLoanBankAdvancesAndOtherBorrowings', window );">Increase (decrease) in Federal Home Loan Bank advances and other borrowings</a></td>
<td class="nump">60,000<span></span>
</td>
<td class="num">(17,200)<span></span>
</td>
<td class="num">(48,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromSubordinatedShortTermDebt', window );">Increase of subordinated debt</a></td>
<td class="nump">22,487<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromIssuanceOfCommonStock', window );">Issuance of common stock</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">24,758<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromStockOptionsExercised', window );">Proceeds from the exercise of stock options</a></td>
<td class="nump">1,769<span></span>
</td>
<td class="nump">900<span></span>
</td>
<td class="nump">705<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInFinancingActivities', window );">Net cash provided by financing activities</a></td>
<td class="nump">312,244<span></span>
</td>
<td class="nump">250,713<span></span>
</td>
<td class="nump">267,435<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease', window );">Net increase (decrease) in cash and cash equivalents</a></td>
<td class="nump">54,943<span></span>
</td>
<td class="num">(19,292)<span></span>
</td>
<td class="nump">45,613<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">Cash and cash equivalents, beginning of year</a></td>
<td class="nump">72,873<span></span>
</td>
<td class="nump">92,165<span></span>
</td>
<td class="nump">46,552<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">Cash and cash equivalents, end of year</a></td>
<td class="nump">127,816<span></span>
</td>
<td class="nump">72,873<span></span>
</td>
<td class="nump">92,165<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_CashPaidAbstract', window );"><strong>Cash paid for</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestPaidNet', window );">Interest</a></td>
<td class="nump">25,156<span></span>
</td>
<td class="nump">15,410<span></span>
</td>
<td class="nump">9,987<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxesPaid', window );">Income taxes</a></td>
<td class="nump">7,883<span></span>
</td>
<td class="nump">5,451<span></span>
</td>
<td class="nump">8,390<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract', window );"><strong>Schedule of non-cash transactions</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_OtherRealEstateAcquiredInSettlementOfLoans', window );">Foreclosure of other real estate</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">288<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_UnrealizedGainLossOnSecuritiesNetOfIncomeTaxes', window );">Unrealized (gain) loss on securities, net of income taxes</a></td>
<td class="num">(1,193)<span></span>
</td>
<td class="nump">455<span></span>
</td>
<td class="num">(51)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_RightOfUseAssetsObtainedInExchangeForLeaseObligationsAbstract', window );"><strong>Right-of-use assets obtained in exchange for lease obligations:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_OperatingLeases', window );">Operating leases</a></td>
<td class="nump">$ 21,459<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_CashPaidAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_CashPaidAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_IncreaseDecreaseInCashRealizedFinancingActivitiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_IncreaseDecreaseInCashRealizedFinancingActivitiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_IncreaseDecreaseInCashRealizedInvestingActivitiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_IncreaseDecreaseInCashRealizedInvestingActivitiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_IncreaseDecreaseInFederalHomeLoanBankAdvancesAndOtherBorrowings">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Increase decrease in federal home loan bank advances and other borrowings.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_IncreaseDecreaseInFederalHomeLoanBankAdvancesAndOtherBorrowings</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_OperatingLeasePayment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Net change in operating leases.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_OperatingLeasePayment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_OperatingLeases">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Operating leases.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_OperatingLeases</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_OtherRealEstateAcquiredInSettlementOfLoans">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Other real estate acquired through settlement of loan at the lower of cost or estimated fair value in a noncash (or part noncash) acquisition. Noncash is defined as information about all investing and financing activities of an enterprise during a period that affect recognized assets or liabilities but that do not result in cash receipts or cash payments in the period. "Part noncash" refers to that portion of the transaction not resulting in cash receipts or cash payments in the period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_OtherRealEstateAcquiredInSettlementOfLoans</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_PaymentToAcquireMarketableSecuritiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_PaymentToAcquireMarketableSecuritiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_RightOfUseAssetsObtainedInExchangeForLeaseObligationsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_RightOfUseAssetsObtainedInExchangeForLeaseObligationsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_UnrealizedGainLossOnSecuritiesNetOfIncomeTaxes">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Noncash is defined as information about all investing and financing activities of an enterprise during a period that affect recognized assets or liabilities but that do not result in cash receipts or cash payments in the period. "Part noncash" refers to that portion of the transaction not resulting in cash receipts or cash payments in the period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_UnrealizedGainLossOnSecuritiesNetOfIncomeTaxes</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -URI http://asc.fasb.org/extlink&amp;oid=118932676&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BankOwnedLifeInsuranceIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Earnings on or other increases in the value of the cash surrender value of bank owned life insurance policies.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.13)<br> -URI http://asc.fasb.org/extlink&amp;oid=116637391&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BankOwnedLifeInsuranceIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndCashEquivalentsAtCarryingValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=118932676&amp;loc=d3e3044-108585<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=118951113&amp;loc=d3e6676-107765<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.1)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CashAndCashEquivalentsAtCarryingValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
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</div></td></tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DepreciationAmortizationAndAccretionNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The aggregate net amount of depreciation, amortization, and accretion recognized during an accounting period. As a noncash item, the net amount is added back to net income when calculating cash provided by or used in operations using the indirect method.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=118932676&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DepreciationAmortizationAndAccretionNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
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</tr>
<tr>
<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
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</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GainLossOnSaleOfInvestments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The net realized gain (loss) on investments sold during the period, not including gains (losses) on securities separately or otherwise categorized as trading, available-for-sale, or held-to-maturity, which, for cash flow reporting, is a component of proceeds from investing activities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=118932676&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_GainLossOnSaleOfInvestments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
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</tr>
<tr>
<td><strong> Balance Type:</strong></td>
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</tr>
<tr>
<td><strong> Period Type:</strong></td>
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</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GainLossOnSalesOfLoansNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.13(h))<br> -URI http://asc.fasb.org/extlink&amp;oid=116637391&amp;loc=SL114874048-224260<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=118932676&amp;loc=d3e3602-108585<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04.3(a))<br> -URI http://asc.fasb.org/extlink&amp;oid=116637232&amp;loc=SL114874131-224263<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_GainLossOnSalesOfLoansNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
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<td><strong> Period Type:</strong></td>
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</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxesPaid">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of cash paid during the current period to foreign, federal, state, and local authorities as taxes on income.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=98513485&amp;loc=d3e4297-108586<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 25<br> -Subparagraph (f)<br> -URI http://asc.fasb.org/extlink&amp;oid=118932676&amp;loc=d3e3536-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeTaxesPaid</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
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</tr>
<tr>
<td><strong> Period Type:</strong></td>
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</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInDeferredIncomeTaxes">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) during the reporting period in the account that represents the temporary difference that results from Income or Loss that is recognized for accounting purposes but not for tax purposes and vice versa.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=118932676&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncreaseDecreaseInDeferredIncomeTaxes</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInDeposits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The net cash inflow or outflow for the increase (decrease) in the beginning and end of period deposits balances.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=118932676&amp;loc=d3e3095-108585<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 230<br> -Section 45<br> -Paragraph 1<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=6477933&amp;loc=d3e60009-112784<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncreaseDecreaseInDeposits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInOtherOperatingAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of increase (decrease) in operating assets classified as other.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=118932676&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncreaseDecreaseInOtherOperatingAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
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</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of increase (decrease) in operating liabilities classified as other.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=118932676&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncreaseDecreaseInOtherOperatingLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
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</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestPaidNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of cash paid for interest, excluding capitalized interest, classified as operating activity. Includes, but is not limited to, payment to settle zero-coupon bond for accreted interest of debt discount and debt instrument with insignificant coupon interest rate in relation to effective interest rate of borrowing attributable to accreted interest of debt discount.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=98513485&amp;loc=d3e4297-108586<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 17<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=118932676&amp;loc=d3e3367-108585<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 25<br> -Subparagraph (e)<br> -URI http://asc.fasb.org/extlink&amp;oid=118932676&amp;loc=d3e3536-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestPaidNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
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</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInFinancingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of cash inflow (outflow) from financing activities, including 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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 24<br> -URI http://asc.fasb.org/extlink&amp;oid=118932676&amp;loc=d3e3521-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetCashProvidedByUsedInFinancingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
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</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInInvestingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of cash inflow (outflow) from investing activities, including 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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 24<br> -URI http://asc.fasb.org/extlink&amp;oid=118932676&amp;loc=d3e3521-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetCashProvidedByUsedInInvestingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInOperatingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of cash inflow (outflow) from operating activities, including discontinued operations. Operating activity cash flows include transactions, adjustments, and changes in value not defined as investing or financing activities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 25<br> -URI http://asc.fasb.org/extlink&amp;oid=118932676&amp;loc=d3e3536-108585<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 24<br> -URI http://asc.fasb.org/extlink&amp;oid=118932676&amp;loc=d3e3521-108585<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -URI http://asc.fasb.org/extlink&amp;oid=118932676&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetCashProvidedByUsedInOperatingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1A<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=118930883&amp;loc=SL7669619-108580<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(22))<br> -URI http://asc.fasb.org/extlink&amp;oid=116637391&amp;loc=SL114874048-224260<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1B<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=118930883&amp;loc=SL7669625-108580<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(18))<br> -URI http://asc.fasb.org/extlink&amp;oid=116637232&amp;loc=SL114874131-224263<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(20))<br> -URI http://asc.fasb.org/extlink&amp;oid=116634182&amp;loc=SL114868664-224227<br><br>Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -URI http://asc.fasb.org/extlink&amp;oid=118932676&amp;loc=d3e3602-108585<br><br>Reference 7: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetIncomeLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsForOriginationAndPurchasesOfLoansHeldForSale">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The aggregate amount of cash outflow for loans purchased and created with the intention to resell them in the near future.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 21<br> -URI http://asc.fasb.org/extlink&amp;oid=118932676&amp;loc=d3e3461-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PaymentsForOriginationAndPurchasesOfLoansHeldForSale</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsForProceedsFromLoansAndLeases">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The net cash outflow or inflow for the increase (decrease) in the beginning and end of period of loan and lease balances which are not originated or purchased specifically for resale. Includes cash payments and proceeds associated with (a) loans held-for-investment, (b) leases held-for-investment, and (c) both.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.12-04(a))<br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e24072-122690<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PaymentsForProceedsFromLoansAndLeases</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsToAcquireAvailableForSaleSecurities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 45<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=118954083&amp;loc=d3e26853-111562<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 13<br> -Subparagraph (a),(b)<br> -URI http://asc.fasb.org/extlink&amp;oid=118932676&amp;loc=d3e3213-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PaymentsToAcquireAvailableForSaleSecurities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsToAcquireLifeInsurancePolicies">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of cash outflow for payment of premium on corporate-owned life insurance policy, classified as investing activities. Includes, but is not limited to, bank-owned life insurance policy.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 21C<br> -URI http://asc.fasb.org/extlink&amp;oid=118932676&amp;loc=SL94080552-108585<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 13<br> -URI http://asc.fasb.org/extlink&amp;oid=118932676&amp;loc=d3e3213-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PaymentsToAcquireLifeInsurancePolicies</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsToAcquireOtherInvestments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of cash outflow to acquire investments classified as other.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 13<br> -URI http://asc.fasb.org/extlink&amp;oid=118932676&amp;loc=d3e3213-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PaymentsToAcquireOtherInvestments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 13<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=118932676&amp;loc=d3e3213-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PaymentsToAcquirePropertyPlantAndEquipment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromIssuanceOfCommonStock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cash inflow from the additional capital contribution to the entity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 14<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=118932676&amp;loc=d3e3255-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProceedsFromIssuanceOfCommonStock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of cash inflow from maturity, prepayment and call of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 45<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=118954083&amp;loc=d3e26853-111562<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=118932676&amp;loc=d3e3151-108585<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 12<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=118932676&amp;loc=d3e3179-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfOtherInvestments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cash inflow associated with the maturity (principal being due), prepayment and call (request of early payment) of other investments not otherwise defined in the taxonomy.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 12<br> -URI http://asc.fasb.org/extlink&amp;oid=118932676&amp;loc=d3e3179-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfOtherInvestments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromSaleMaturityAndCollectionsOfInvestmentsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProceedsFromSaleMaturityAndCollectionsOfInvestmentsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cash inflow associated with the sale of debt and equity securities classified as available-for-sale securities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 45<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=118954083&amp;loc=d3e26853-111562<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 12<br> -Subparagraph (a),(b)<br> -URI http://asc.fasb.org/extlink&amp;oid=118932676&amp;loc=d3e3179-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromSaleOfLoansHeldForSale">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cash inflow resulting from the sale of loans classified as held-for-sale, including proceeds from loans sold through mortgage securitization.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 16<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=118932676&amp;loc=d3e3337-108585<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 21<br> -URI http://asc.fasb.org/extlink&amp;oid=118932676&amp;loc=d3e3461-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProceedsFromSaleOfLoansHeldForSale</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromSaleOfWhollyOwnedRealEstateAndRealEstateAcquiredInSettlementOfLoans">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cash inflow from proceeds From Sales of Wholly Owned Real Estate and Real Estate Acquired in Settlement of Loans.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 12<br> -URI http://asc.fasb.org/extlink&amp;oid=118932676&amp;loc=d3e3179-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProceedsFromSaleOfWhollyOwnedRealEstateAndRealEstateAcquiredInSettlementOfLoans</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromStockOptionsExercised">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of cash inflow from exercise of option under share-based payment arrangement.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2A<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=116856206&amp;loc=SL79508275-113901<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 14<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=118932676&amp;loc=d3e3255-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProceedsFromStockOptionsExercised</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromSubordinatedShortTermDebt">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cash inflow from an obligation which places a lender in a lien position behind debt having a higher priority of repayment (senior loan) in liquidation of the entity's assets scheduled to be repaid within one year or in the normal operating cycle of the entity, if longer.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 14<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=118932676&amp;loc=d3e3255-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProceedsFromSubordinatedShortTermDebt</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (c)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=118936363&amp;loc=SL6953423-111524<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.11)<br> -URI http://asc.fasb.org/extlink&amp;oid=116637391&amp;loc=SL114874048-224260<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=118932676&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProvisionForLoanLeaseAndOtherLosses</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensation">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of noncash expense for share-based payment arrangement.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=118932676&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensation</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6928164064">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Earnings Per Common Share (Details) - USD ($)<br> $ / shares in Units, $ in Thousands</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2019</div></th>
<th class="th"><div>Dec. 31, 2018</div></th>
<th class="th"><div>Dec. 31, 2017</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_NumeratorOfEarningsPerShareAbstract', window );"><strong>Numerator:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
<td class="nump">$ 27,858<span></span>
</td>
<td class="nump">$ 22,289<span></span>
</td>
<td class="nump">$ 13,045<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic', window );">Net income available to common shareholders</a></td>
<td class="nump">$ 27,858<span></span>
</td>
<td class="nump">$ 22,289<span></span>
</td>
<td class="nump">$ 13,045<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_DenominatorOfEarningsPerShareAbstract', window );"><strong>Denominator:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic', window );">Weighted-average common shares outstanding - basic</a></td>
<td class="nump">7,528,283<span></span>
</td>
<td class="nump">7,384,200<span></span>
</td>
<td class="nump">7,005,703<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment', window );">Common stock equivalents</a></td>
<td class="nump">244,261<span></span>
</td>
<td class="nump">353,295<span></span>
</td>
<td class="nump">387,674<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding', window );">Weighted-average common shares outstanding - diluted</a></td>
<td class="nump">7,772,544<span></span>
</td>
<td class="nump">7,737,495<span></span>
</td>
<td class="nump">7,393,377<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareBasicAndDilutedAbstract', window );"><strong>Earnings per common share:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareBasic', window );">Basic</a></td>
<td class="nump">$ 3.70<span></span>
</td>
<td class="nump">$ 3.02<span></span>
</td>
<td class="nump">$ 1.86<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareDiluted', window );">Diluted</a></td>
<td class="nump">$ 3.58<span></span>
</td>
<td class="nump">$ 2.88<span></span>
</td>
<td class="nump">$ 1.76<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_DenominatorOfEarningsPerShareAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Denominator of earnings per share.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_DenominatorOfEarningsPerShareAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_NumeratorOfEarningsPerShareAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Numerator of earnings per share</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_NumeratorOfEarningsPerShareAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareBasic">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of net income (loss) for the period per each share of common stock or unit outstanding during the reporting period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(19))<br> -URI http://asc.fasb.org/extlink&amp;oid=116637232&amp;loc=SL114874131-224263<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 7<br> -URI http://asc.fasb.org/extlink&amp;oid=117326831&amp;loc=d3e1337-109256<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 55<br> -Paragraph 52<br> -URI http://asc.fasb.org/extlink&amp;oid=117327953&amp;loc=d3e4984-109258<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(21))<br> -URI http://asc.fasb.org/extlink&amp;oid=116634182&amp;loc=SL114868664-224227<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=109234566&amp;loc=d3e22694-107794<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=117326831&amp;loc=d3e1252-109256<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(23))<br> -URI http://asc.fasb.org/extlink&amp;oid=116637391&amp;loc=SL114874048-224260<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 60B<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=117326831&amp;loc=SL5780133-109256<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EarningsPerShareBasic</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareBasicAndDilutedAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EarningsPerShareBasicAndDilutedAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareDiluted">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 55<br> -Paragraph 52<br> -URI http://asc.fasb.org/extlink&amp;oid=117327953&amp;loc=d3e4984-109258<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=117326831&amp;loc=d3e1252-109256<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(23))<br> -URI http://asc.fasb.org/extlink&amp;oid=116637391&amp;loc=SL114874048-224260<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=109234566&amp;loc=d3e22694-107794<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 7<br> -URI http://asc.fasb.org/extlink&amp;oid=117326831&amp;loc=d3e1337-109256<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(21))<br> -URI http://asc.fasb.org/extlink&amp;oid=116634182&amp;loc=SL114868664-224227<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 60B<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=117326831&amp;loc=SL5780133-109256<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(19))<br> -URI http://asc.fasb.org/extlink&amp;oid=116637232&amp;loc=SL114874131-224263<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EarningsPerShareDiluted</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1A<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=118930883&amp;loc=SL7669619-108580<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(22))<br> -URI http://asc.fasb.org/extlink&amp;oid=116637391&amp;loc=SL114874048-224260<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1B<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=118930883&amp;loc=SL7669625-108580<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(18))<br> -URI http://asc.fasb.org/extlink&amp;oid=116637232&amp;loc=SL114874131-224263<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(20))<br> -URI http://asc.fasb.org/extlink&amp;oid=116634182&amp;loc=SL114868664-224227<br><br>Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -URI http://asc.fasb.org/extlink&amp;oid=118932676&amp;loc=d3e3602-108585<br><br>Reference 7: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetIncomeLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount, after deduction of tax, noncontrolling interests, dividends on preferred stock and participating securities; of income (loss) available to common shareholders.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=109234566&amp;loc=d3e22694-107794<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=117326831&amp;loc=d3e1377-109256<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The sum of dilutive potential common shares or units used in the calculation of the diluted per-share or per-unit computation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 16<br> -URI http://asc.fasb.org/extlink&amp;oid=117326831&amp;loc=d3e1505-109256<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 10<br> -URI http://asc.fasb.org/extlink&amp;oid=117326831&amp;loc=d3e1448-109256<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_WeightedAverageNumberOfSharesOutstandingBasic</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>33
<FILENAME>R91.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<body>
<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6914861344">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Fair Value Accounting (Details 1) - Fair Value, Measurements, Nonrecurring [Member] - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
<th class="th"><div>Dec. 31, 2018</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_ImpairedLoansFairValue', window );">Impaired loans</a></td>
<td class="nump">$ 10,575<span></span>
</td>
<td class="nump">$ 10,558<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosure', window );">Total assets measured at fair value on a nonrecurring basis</a></td>
<td class="nump">10,575<span></span>
</td>
<td class="nump">10,558<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember', window );">Fair Value, Inputs, Level 1 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_ImpairedLoansFairValue', window );">Impaired loans</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosure', window );">Total assets measured at fair value on a nonrecurring basis</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember', window );">Fair Value, Inputs, Level 2 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_ImpairedLoansFairValue', window );">Impaired loans</a></td>
<td class="nump">5,634<span></span>
</td>
<td class="nump">2,190<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosure', window );">Total assets measured at fair value on a nonrecurring basis</a></td>
<td class="nump">5,634<span></span>
</td>
<td class="nump">2,190<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember', window );">Fair Value, Inputs, Level 3 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_ImpairedLoansFairValue', window );">Impaired loans</a></td>
<td class="nump">4,941<span></span>
</td>
<td class="nump">8,368<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosure', window );">Total assets measured at fair value on a nonrecurring basis</a></td>
<td class="nump">$ 4,941<span></span>
</td>
<td class="nump">$ 8,368<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_ImpairedLoansFairValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Impaired loans, Fair value.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_ImpairedLoansFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AssetsFairValueDisclosure">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Fair value portion of probable future economic benefits obtained or controlled by an entity as a result of past transactions or events.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 820<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=117815213&amp;loc=d3e19207-110258<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AssetsFairValueDisclosure</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AssetsFairValueDisclosureAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AssetsFairValueDisclosureAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel1Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel1Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel2Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel2Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>34
<FILENAME>R61.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
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</head>
<body>
<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6705429216">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Loans and Allowance for Loan Losses (Details 1) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
<th class="th"><div>Dec. 31, 2018</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableOtherInformationAbstract', window );"><strong>Composition of gross loans by rate type</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansReceivableWithVariableRatesOfInterest1', window );">Variable rate loans</a></td>
<td class="nump">$ 432,540<span></span>
</td>
<td class="nump">$ 402,148<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansReceivableWithFixedRatesOfInterest1', window );">Fixed rate loans</a></td>
<td class="nump">1,510,985<span></span>
</td>
<td class="nump">1,275,184<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Total gross loans, net of deferred fees</a></td>
<td class="nump">$ 1,943,525<span></span>
</td>
<td class="nump">$ 1,677,332<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount before allowance and after 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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=118952595&amp;loc=d3e4428-111522<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=118936363&amp;loc=d3e5074-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableOtherInformationAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LoansAndLeasesReceivableOtherInformationAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansReceivableWithFixedRatesOfInterest1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of loan with fixed rate of interest.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=118952595&amp;loc=d3e4428-111522<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LoansReceivableWithFixedRatesOfInterest1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansReceivableWithVariableRatesOfInterest1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of loan with variable or adjustable rate of interest.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=118952595&amp;loc=d3e4428-111522<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LoansReceivableWithVariableRatesOfInterest1</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td>instant</td>
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6923729680">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>CONSOLIDATED BALANCE SHEETS (Parenthetical) - $ / shares<br></strong></div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
<th class="th"><div>Dec. 31, 2018</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementOfFinancialPositionAbstract', window );"><strong>Statement of Financial Position [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockParOrStatedValuePerShare', window );">Preferred stock, par value</a></td>
<td class="nump">$ 0.01<span></span>
</td>
<td class="nump">$ 0.01<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockSharesAuthorized', window );">Preferred stock, shares authorized</a></td>
<td class="nump">10,000,000<span></span>
</td>
<td class="nump">10,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockParOrStatedValuePerShare', window );">Common stock, par value</a></td>
<td class="nump">$ 0.01<span></span>
</td>
<td class="nump">$ 0.01<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockSharesAuthorized', window );">Common stock, shares authorized</a></td>
<td class="nump">10,000,000<span></span>
</td>
<td class="nump">10,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockSharesIssued', window );">Common stock, shares issued</a></td>
<td class="nump">7,672,678<span></span>
</td>
<td class="nump">7,466,481<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockSharesOutstanding', window );">Common stock, shares outstanding</a></td>
<td class="nump">7,672,678<span></span>
</td>
<td class="nump">7,466,481<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockParOrStatedValuePerShare">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Face amount or stated value per share of common stock.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CommonStockParOrStatedValuePerShare</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockSharesAuthorized">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The maximum number of common shares permitted to be issued by an entity's charter and bylaws.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CommonStockSharesAuthorized</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockSharesIssued">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CommonStockSharesIssued</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockSharesOutstanding">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of shares of common stock outstanding. Common stock represent the ownership interest in a corporation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=109259400&amp;loc=d3e21463-112644<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CommonStockSharesOutstanding</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockParOrStatedValuePerShare">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Face amount or stated value per share of preferred stock nonredeemable or redeemable solely at the option of the issuer.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PreferredStockParOrStatedValuePerShare</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockSharesAuthorized">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PreferredStockSharesAuthorized</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementOfFinancialPositionAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementOfFinancialPositionAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6708741376">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Income Taxes (Details 1) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2019</div></th>
<th class="th"><div>Dec. 31, 2018</div></th>
<th class="th"><div>Dec. 31, 2017</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract', window );"><strong>Summary of the items that caused recorded income taxes to differ from taxes computed using the statutory tax rate</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate', window );">Tax expense at statutory rate</a></td>
<td class="nump">$ 7,451<span></span>
</td>
<td class="nump">$ 6,025<span></span>
</td>
<td class="nump">$ 8,281<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxReconciliationStateAndLocalIncomeTaxes', window );">Effect of state income taxes, net of federal benefit</a></td>
<td class="nump">987<span></span>
</td>
<td class="nump">782<span></span>
</td>
<td class="nump">372<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxReconciliationTaxExemptIncome', window );">Exempt income</a></td>
<td class="num">(26)<span></span>
</td>
<td class="num">(34)<span></span>
</td>
<td class="num">(146)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxReconciliationChangeInEnactedTaxRate', window );">Effect of change in federal tax rate</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">2,441<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitAmount', window );">Effect of stock-based compensation</a></td>
<td class="num">(693)<span></span>
</td>
<td class="num">(248)<span></span>
</td>
<td class="num">(2)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxReconciliationOtherAdjustments', window );">Other</a></td>
<td class="num">(98)<span></span>
</td>
<td class="num">(124)<span></span>
</td>
<td class="num">(330)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Income tax expense</a></td>
<td class="nump">$ 7,621<span></span>
</td>
<td class="nump">$ 6,401<span></span>
</td>
<td class="nump">$ 10,616<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying domestic federal statutory income tax rate to pretax income (loss) from continuing operation, attributable to expense for award under share-based payment arrangement. Excludes expense determined to be nondeductible upon grant or after for award under share-based payment arrangement.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 12<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32687-109319<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 740<br> -Section 35<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=117330312&amp;loc=d3e23163-113944<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxExpenseBenefit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 22<br> -Subparagraph (h)<br> -URI http://asc.fasb.org/extlink&amp;oid=115929826&amp;loc=d3e8736-108599<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(h))<br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 20<br> -Section 45<br> -Paragraph 2<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=109238882&amp;loc=d3e38679-109324<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeTaxExpenseBenefit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxReconciliationChangeInEnactedTaxRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of the difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying the domestic federal statutory income tax rates to pretax income (loss) from continuing operations, attributable to increase (decrease) in the income tax rates.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 13<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32698-109319<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 45<br> -Paragraph 15<br> -URI http://asc.fasb.org/extlink&amp;oid=116821951&amp;loc=d3e32059-109318<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 12<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32687-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeTaxReconciliationChangeInEnactedTaxRate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of income tax expense or benefit for the period computed by applying the domestic federal statutory tax rates to pretax income from continuing operations.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 13<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32698-109319<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 12<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32687-109319<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(h)(2))<br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxReconciliationOtherAdjustments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of the difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying the domestic federal statutory income tax rates to pretax income (loss) from continuing operations attributable to other adjustments.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 12<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32687-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeTaxReconciliationOtherAdjustments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxReconciliationStateAndLocalIncomeTaxes">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of the difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying the domestic federal statutory income tax rates to pretax income (loss) from continuing operations attributable to state and local income tax expense (benefit).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 12<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32687-109319<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(h)(2))<br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 13<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32698-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeTaxReconciliationStateAndLocalIncomeTaxes</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxReconciliationTaxExemptIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of the difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying the domestic federal statutory income tax rates to pretax income (loss) from continuing operations attributable to income (loss) exempt from income taxes.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 13<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32698-109319<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 12<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32687-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeTaxReconciliationTaxExemptIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6914524624">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Loans and Allowance for Loan Losses (Details 9) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2019</div></th>
<th class="th"><div>Dec. 31, 2018</div></th>
<th class="th"><div>Dec. 31, 2017</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward', window );"><strong>Financing Receivable, Allowance For Credit Losses [Roll Forward]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Balance, beginning of period</a></td>
<td class="nump">$ 15,762<span></span>
</td>
<td class="nump">$ 15,523<span></span>
</td>
<td class="nump">$ 14,855<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses', window );">Provision for loan losses</a></td>
<td class="nump">2,300<span></span>
</td>
<td class="nump">1,900<span></span>
</td>
<td class="nump">2,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs', window );">Total loan charge-offs</a></td>
<td class="num">(1,515)<span></span>
</td>
<td class="num">(2,146)<span></span>
</td>
<td class="num">(1,638)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ValuationAllowancesAndReservesRecoveries', window );">Loan recoveries</a></td>
<td class="nump">95<span></span>
</td>
<td class="nump">485<span></span>
</td>
<td class="nump">306<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_AllowanceForLoanAndLeaseLossesWriteOffsNetOfRecoveries', window );">Net loan charge-offs</a></td>
<td class="num">(1,420)<span></span>
</td>
<td class="num">(1,661)<span></span>
</td>
<td class="num">(1,332)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Balance, end of period</a></td>
<td class="nump">16,642<span></span>
</td>
<td class="nump">15,762<span></span>
</td>
<td class="nump">15,523<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_CommercialLoanMember', window );">Commercial [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward', window );"><strong>Financing Receivable, Allowance For Credit Losses [Roll Forward]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Balance, beginning of period</a></td>
<td class="nump">10,768<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs', window );">Total loan charge-offs</a></td>
<td class="num">(1,259)<span></span>
</td>
<td class="num">(1,127)<span></span>
</td>
<td class="num">(1,227)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ValuationAllowancesAndReservesRecoveries', window );">Loan recoveries</a></td>
<td class="nump">45<span></span>
</td>
<td class="nump">361<span></span>
</td>
<td class="nump">205<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Balance, end of period</a></td>
<td class="nump">11,372<span></span>
</td>
<td class="nump">10,768<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_CommercialLoanMember', window );">Commercial [Member] | Owner occupied RE [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward', window );"><strong>Financing Receivable, Allowance For Credit Losses [Roll Forward]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs', window );">Total loan charge-offs</a></td>
<td class="num">(110)<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ValuationAllowancesAndReservesRecoveries', window );">Loan recoveries</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_CommercialLoanMember', window );">Commercial [Member] | Non-owner occupied RE [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward', window );"><strong>Financing Receivable, Allowance For Credit Losses [Roll Forward]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs', window );">Total loan charge-offs</a></td>
<td class="num">(239)<span></span>
</td>
<td class="num">(432)<span></span>
</td>
<td class="num">(589)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ValuationAllowancesAndReservesRecoveries', window );">Loan recoveries</a></td>
<td class="nump">2<span></span>
</td>
<td class="nump">132<span></span>
</td>
<td class="nump">119<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_CommercialLoanMember', window );">Commercial [Member] | Business [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward', window );"><strong>Financing Receivable, Allowance For Credit Losses [Roll Forward]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs', window );">Total loan charge-offs</a></td>
<td class="num">(910)<span></span>
</td>
<td class="num">(695)<span></span>
</td>
<td class="num">(638)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ValuationAllowancesAndReservesRecoveries', window );">Loan recoveries</a></td>
<td class="nump">43<span></span>
</td>
<td class="nump">229<span></span>
</td>
<td class="nump">86<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_CommercialLoanMember', window );">Commercial [Member] | Construction [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward', window );"><strong>Financing Receivable, Allowance For Credit Losses [Roll Forward]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs', window );">Total loan charge-offs</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ValuationAllowancesAndReservesRecoveries', window );">Loan recoveries</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember', window );">Consumer [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward', window );"><strong>Financing Receivable, Allowance For Credit Losses [Roll Forward]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Balance, beginning of period</a></td>
<td class="nump">4,994<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs', window );">Total loan charge-offs</a></td>
<td class="num">(256)<span></span>
</td>
<td class="num">(1,019)<span></span>
</td>
<td class="num">(411)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ValuationAllowancesAndReservesRecoveries', window );">Loan recoveries</a></td>
<td class="nump">50<span></span>
</td>
<td class="nump">124<span></span>
</td>
<td class="nump">101<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Balance, end of period</a></td>
<td class="nump">5,270<span></span>
</td>
<td class="nump">4,994<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember', window );">Consumer [Member] | Other [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward', window );"><strong>Financing Receivable, Allowance For Credit Losses [Roll Forward]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs', window );">Total loan charge-offs</a></td>
<td class="num">(82)<span></span>
</td>
<td class="num">(53)<span></span>
</td>
<td class="num">(11)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ValuationAllowancesAndReservesRecoveries', window );">Loan recoveries</a></td>
<td class="nump">11<span></span>
</td>
<td class="nump">4<span></span>
</td>
<td class="nump">2<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember', window );">Consumer [Member] | Construction [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward', window );"><strong>Financing Receivable, Allowance For Credit Losses [Roll Forward]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs', window );">Total loan charge-offs</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ValuationAllowancesAndReservesRecoveries', window );">Loan recoveries</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember', window );">Consumer [Member] | Real estate [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward', window );"><strong>Financing Receivable, Allowance For Credit Losses [Roll Forward]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs', window );">Total loan charge-offs</a></td>
<td class="text"> <span></span>
</td>
<td class="num">(749)<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ValuationAllowancesAndReservesRecoveries', window );">Loan recoveries</a></td>
<td class="nump">37<span></span>
</td>
<td class="nump">5<span></span>
</td>
<td class="nump">86<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember', window );">Consumer [Member] | Home equity [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward', window );"><strong>Financing Receivable, Allowance For Credit Losses [Roll Forward]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs', window );">Total loan charge-offs</a></td>
<td class="num">(174)<span></span>
</td>
<td class="num">(217)<span></span>
</td>
<td class="num">(400)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ValuationAllowancesAndReservesRecoveries', window );">Loan recoveries</a></td>
<td class="nump">$ 2<span></span>
</td>
<td class="nump">$ 115<span></span>
</td>
<td class="nump">$ 13<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_AllowanceForLoanAndLeaseLossesWriteOffsNetOfRecoveries">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Allowance for loan and lease losses write offs net of recoveries.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_AllowanceForLoanAndLeaseLossesWriteOffsNetOfRecoveries</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of loans and leases that have been written off from both loan receivables and allowance reserve for credit loss.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (c)(3)<br> -URI http://asc.fasb.org/extlink&amp;oid=118936363&amp;loc=SL6953423-111524<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.7(d))<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableAllowanceForCreditLosses">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of allowance for credit loss on financing receivable. Excludes allowance for financing receivable covered under loss sharing agreement.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=118936363&amp;loc=SL6953423-111524<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=118955202&amp;loc=SL82895884-210446<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=119407570&amp;loc=SL82919249-210447<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(7)(d))<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (f)<br> -URI http://asc.fasb.org/extlink&amp;oid=119407570&amp;loc=SL82919249-210447<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableAllowanceForCreditLosses</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (c)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=118936363&amp;loc=SL6953423-111524<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.11)<br> -URI http://asc.fasb.org/extlink&amp;oid=116637391&amp;loc=SL114874048-224260<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=118932676&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProvisionForLoanLeaseAndOtherLosses</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ValuationAllowancesAndReservesRecoveries">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of increase in valuation and qualifying accounts and reserves from recovery of amount previously written off or reestablishment of reserve previously utilized.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 4<br> -Subparagraph (SX 210.12-09)<br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e24092-122690<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ValuationAllowancesAndReservesRecoveries</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=us-gaap_CommercialLoanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_CommercialLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongtermDebtTypeAxis=sfst_OwnerOccupiedReMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LongtermDebtTypeAxis=sfst_OwnerOccupiedReMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongtermDebtTypeAxis=sfst_NonOwnerOccupiedReMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LongtermDebtTypeAxis=sfst_NonOwnerOccupiedReMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongtermDebtTypeAxis=sfst_BusinessLoanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LongtermDebtTypeAxis=sfst_BusinessLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConstructionLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConstructionLoansMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongtermDebtTypeAxis=sfst_OtherConsumerMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LongtermDebtTypeAxis=sfst_OtherConsumerMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_RealEstateLoanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_RealEstateLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_HomeEquityLoanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_HomeEquityLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6920452912">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Federal Home Loan Bank Advances and Other Borrowings (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2019</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_FederalHomeLoanBankAdvancesAndOtherBorrowingsAbstract', window );"><strong>Federal Home Loan Bank Advances and Other Borrowings [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTextBlock', window );">Summary of terms and maturities of advances of FHLB</a></td>
<td class="text"><div><p style="text-align: justify"><font style="font: x-small Arial">Listed below is a summary of the terms and maturities of the advances outstanding at December 31, 2019 and 2018. The $110.0 million outstanding at December 31, 2019 was at a variable rate.</font></p>
<table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 100%">

<tr style="vertical-align: bottom">
   <td style="border-top: #000000 1.5pt solid; width: 90%; white-space: nowrap; text-align: left"></td>
   <td style="border-top: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"></td>
   <td colspan="9" style="border-top: #000000 1.5pt solid; width: 9%; white-space: nowrap; text-align: right">&#160;<b><font style="font: xx-small Arial"></font></b></td></tr>
<tr style="vertical-align: bottom">
   <td style="width: 90%; white-space: nowrap; text-align: left"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"></td>
   <td colspan="9" style="border-bottom: #000000 1pt solid; width: 9%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">December 31,</font></b></td></tr>
<tr style="vertical-align: bottom">
   <td style="border-bottom: #000000 1pt solid; width: 90%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">(dollars in thousands)</font></td>
   <td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>
   <td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>
   <td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2019</font></b></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>
   <td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>
   <td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>
   <td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>
   <td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2018</font></b></td></tr>
<tr style="vertical-align: bottom">
   <td style="border-bottom: #000000 1pt solid; width: 90%; white-space: nowrap; text-align: left"><b><font style="font: xx-small Arial">Maturity</font></b></td>
   <td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: xx-small Arial">&#160;&#160;&#160;&#160;&#160;</font></td>
   <td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Amount</font></b></td>
   <td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: xx-small Arial">&#160;&#160;&#160;&#160;&#160;</font></td>
   <td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Rate</font></b></td>
   <td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: xx-small Arial">&#160;&#160;&#160;&#160;&#160;</font></td>
   <td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>
   <td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Amount</font></b></td>
   <td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: xx-small Arial">&#160;&#160;&#160;&#160;&#160;</font></td>
   <td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Rate</font></b></td></tr>
<tr style="vertical-align: bottom; background-color: Silver">
   <td style="width: 90%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">December 31, 2019</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-%</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">25,000</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2.65</font><font style="font: x-small Arial">%</font></td></tr>
<tr style="vertical-align: bottom">
   <td style="width: 90%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">July 7, 2022</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-%</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">10,000</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3.11</font><font style="font: x-small Arial">%</font></td></tr>
<tr style="vertical-align: bottom; background-color: Silver">
   <td style="width: 90%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">July 7, 2023</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-%</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">15,000</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3.53</font><font style="font: x-small Arial">%</font></td></tr>
<tr style="vertical-align: bottom">
   <td style="border-bottom: Black 1px solid; width: 90%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">December 31, 2020</font></td>
   <td style="border-bottom: Black 1px solid; width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="border-bottom: Black 1px solid; width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="border-bottom: Black 1px solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">110,000</font></td>
   <td style="border-bottom: Black 1px solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>
   <td style="border-bottom: Black 1px solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1.78</font><font style="font: x-small Arial">%</font></td>
   <td style="border-bottom: Black 1px solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>
   <td style="border-bottom: Black 1px solid; width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="border-bottom: Black 1px solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>
   <td style="border-bottom: Black 1px solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>
   <td style="border-bottom: Black 1px solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-%</font></td></tr>
<tr style="vertical-align: bottom; background-color: Silver">
   <td style="border-bottom: #000000 1.5pt solid; width: 90%; white-space: nowrap; text-align: left"></td>
   <td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>
   <td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>
   <td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">110,000</font></td>
   <td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>
   <td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1.78</font><font style="font: x-small Arial">%</font></td>
   <td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>
   <td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>
   <td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">50,000</font></td>
   <td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>
   <td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3.01</font><font style="font: x-small Arial">%</font></td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of advances by federal home loan bank by branch.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 470<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.13,16)<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 470<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=75038535&amp;loc=d3e64711-112823<br></p></div>
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6920485760">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Income Taxes (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2019</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxDisclosureAbstract', window );"><strong>Income Tax Disclosure [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock', window );">Summary of components of income tax expense</a></td>
<td class="text"><div><p style="text-align: justify"><font style="font: x-small Arial">The components of income tax expense were as follows:</font></p>

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   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td colspan="8" style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td></tr>
<tr style="vertical-align: bottom">

   <td style="width: 85%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="8" style="border-bottom: Black 1pt solid; width: 14%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">For the years ended December 31,</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 85%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">(dollars in thousands)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2019</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2018</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2017</font></b></td></tr>

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   <td style="width: 85%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Current income taxes:</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 85%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Federal</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;$</font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">6,791</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">5,536</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,139</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 85%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">State</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,250</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">990</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">573</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 85%; white-space: nowrap; text-align: left; padding-left: 30pt"><font style="font: x-small Arial">Total current tax expense</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">8,041</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">6,526</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,712</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; width: 85%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Deferred income tax expense (benefit)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(420</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(125</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,904</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1.5pt solid; padding-left: 15pt; width: 85%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Income tax expense</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,621</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">6,401</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">10,616</font></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock', window );">Summary of taxes computed using the statutory tax rate</a></td>
<td class="text"><div><p style="text-align: justify"><font style="font: x-small Arial">The following is a summary of the items that caused recorded income taxes to differ from taxes computed using the statutory tax rate:</font></p>

<table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 100%">



<tr style="vertical-align: bottom">
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td colspan="8" style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td></tr>
<tr style="vertical-align: bottom">

   <td style="width: 84%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="8" style="border-bottom: Black 1pt solid; width: 14%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">For the years ended December 31,</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 84%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">(dollars in thousands)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160;</td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2019</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2018</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2017</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 84%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Tax expense at statutory rate</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;$</font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,451</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">6,025</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">8,281</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 84%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Effect of state income taxes, net of federal benefit</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">987</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">782</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">372</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 84%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Exempt income</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(26</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(34</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(146</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 84%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Effect of change in federal tax rate</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,441</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 84%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Effect of stock-based compensation</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(693</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(248</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(2</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 84%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Other</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(98</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(124</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(330</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1.5pt solid; padding-left: 30pt; width: 84%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Income tax expense</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,621</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">6,401</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">10,616</font></td></tr></table></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock', window );">Summary of components of the deferred tax assets and liabilities</a></td>
<td class="text"><div><p style="text-align: justify"><font style="font: x-small Arial">The components of the deferred tax assets and liabilities are as follows:</font></p>

<table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 100%">



<tr style="vertical-align: bottom">
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td colspan="4" style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td></tr>
<tr style="vertical-align: bottom">

   <td style="width: 95%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="4" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">December 31,</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 95%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">(dollars in thousands)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2019</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2018</font></b></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 95%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Deferred tax assets:</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 95%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Allowance for loan losses</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3,495</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3,310</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 95%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Unrealized loss on securities available for sale</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">79</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">244</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 95%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Net deferred loan fees</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">697</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">592</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 95%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Deferred compensation</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,404</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,280</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 95%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Sale of real estate owned</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">128</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 95%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Lease liabilities</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4,219</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 95%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Other</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">234</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">130</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; width: 95%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">10,128</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">5,684</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 95%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Deferred tax liabilities:</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 95%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Property and equipment</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,398</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,433</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 95%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Hedging transactions</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">227</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">112</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 95%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Prepaid expenses</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">132</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">107</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 95%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Right-of-use assets</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4,096</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"><font style="font: x-small Arial">-</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 95%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Other</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">12</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 95%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">5,853</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,664</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1.5pt solid; padding-left: 30pt; width: 95%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Net deferred tax asset</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: center"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4,275</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4,020</font></td></tr></table></div><span></span>
</td>
</tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeTaxDisclosureAbstract</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the components of income tax expense attributable to continuing operations for each year presented including, but not limited to: current tax expense (benefit), deferred tax expense (benefit), investment tax credits, government grants, the benefits of operating loss carryforwards, tax expense that results from allocating certain tax benefits either directly to contributed capital or to reduce goodwill or other noncurrent intangible assets of an acquired entity, adjustments of a deferred tax liability or asset for enacted changes in tax laws or rates or a change in the tax status of the entity, and adjustments of the beginning-of-the-year balances of a valuation allowance because of a change in circumstances that causes a change in judgment about the realizability of the related deferred tax asset in future years.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32639-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the components of net deferred tax asset or liability recognized in an entity's statement of financial position, including the following: the total of all deferred tax liabilities, the total of all deferred tax assets, the total valuation allowance recognized for deferred tax assets.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32537-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the reconciliation using percentage or dollar amounts of the reported amount of income tax expense attributable to continuing operations for the year to the amount of income tax expense that would result from applying domestic federal statutory tax rates to pretax income from continuing operations.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 12<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32687-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<DOCUMENT>
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6921163280">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Employee Benefit Plan<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2019</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_EmployeeBenefitPlanAbstract', window );"><strong>Employee Benefit Plan [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PensionAndOtherPostretirementBenefitsDisclosureTextBlock', window );">Employee Benefit Plan</a></td>
<td class="text"><div><p style="text-align: justify"><b><font style="font: x-small Arial">NOTE 20 &#8211; Employee Benefit Plan</font></b></p>

<p style="text-align: justify"><font style="font: x-small Arial">On January 1, 2000, the Company adopted the Southern First Bancshares, Inc. Profit Sharing and 401(k) Plan for the benefit of all eligible employees. The Company contributes to the Plan annually upon approval by the Board of Directors. Contributions made to the Plan for the years ended December 31, 2019, 2018, and 2017 amounted to $693,000, $587,000, and $476,000, respectively.</font></p>

<p style="text-align: justify"><font style="font: x-small Arial">The Company also provides a nonqualified deferred compensation plan for 24 executive officers in the form of a Supplemental Executive Retirement Plan (&#8220;SERP&#8221;). The SERP provides retirement income for these officers. As of December 31, 2019 and 2018, the Company had an accrued benefit obligation of $6.7 million and $6.1 million, respectively. The Company incurred expenses related to this plan of $657,000, $940,000, and $792,000 in 2019, 2018, and 2017, respectively.</font></p></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for pension and other postretirement benefits.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -URI http://asc.fasb.org/topic&amp;trid=2235017<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PensionAndOtherPostretirementBenefitsDisclosureTextBlock</td>
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6920538000">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Commitments and Contingencies<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2019</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommitmentsAndContingenciesDisclosureAbstract', window );"><strong>Commitments and Contingencies Disclosure [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock', window );">Commitments and Contingencies</a></td>
<td class="text"><div><p style="text-align: justify"><b><font style="font: x-small Arial">NOTE 16 &#8211; Commitments and Contingencies</font></b></p>

<p style="text-align: justify"><font style="font: x-small Arial">The Company has entered into a three year employment agreement with its chief executive officer and a two year employment agreement with its president and with 12 executive vice presidents. These agreements also include a) an incentive program, b) a stock option plan, c) a one-year non-compete agreement upon termination and a severance payment equal to one year of compensation. The total estimated aggregate salary commitment is approximately $3.3 million.</font></p>

<p style="text-align: justify"><font style="font: x-small Arial">The Company has an agreement with a data processor
which expires in 2023 to provide certain item processing, electronic banking, and general ledger processing services. Components
of this contract vary based on transaction and account volume, monthly charges and certain termination fees.</font></p>



<p style="text-align: justify"><font style="font: x-small Arial">The Company may be subject to litigation and claims in the normal course of business. As of December 31, 2019, management believes there is no material litigation pending.</font></p></div><span></span>
</td>
</tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for commitments and contingencies.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 450<br> -URI http://asc.fasb.org/topic&amp;trid=2127136<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 440<br> -URI http://asc.fasb.org/topic&amp;trid=2144648<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6918015360">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Stock-Based Compensation (Details 3) - Nonvested restricted stock [Member] - $ / shares<br></strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2019</div></th>
<th class="th"><div>Dec. 31, 2018</div></th>
<th class="th"><div>Dec. 31, 2017</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward', window );"><strong>Summary of the status of the Company's nonvested restricted stock and changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber', window );">Restricted Shares Nonvested at beginning of year</a></td>
<td class="nump">29,625<span></span>
</td>
<td class="nump">25,000<span></span>
</td>
<td class="nump">36,125<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod', window );">Restricted Shares Granted</a></td>
<td class="nump">14,700<span></span>
</td>
<td class="nump">13,000<span></span>
</td>
<td class="nump">6,500<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod', window );">Restricted Shares Vested</a></td>
<td class="num">(10,375)<span></span>
</td>
<td class="num">(8,375)<span></span>
</td>
<td class="num">(17,625)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod', window );">Restricted Shares Forfeited</a></td>
<td class="num">(1,125)<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber', window );">Restricted Shares Nonvested at end of year</a></td>
<td class="nump">32,825<span></span>
</td>
<td class="nump">29,625<span></span>
</td>
<td class="nump">25,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue', window );">Weighted Average Grant-Date Fair Value Nonvested at beginning of year</a></td>
<td class="nump">$ 34.00<span></span>
</td>
<td class="nump">$ 26.43<span></span>
</td>
<td class="nump">$ 20.13<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue', window );">Weighted Average Grant-Date Fair Value Granted</a></td>
<td class="nump">33.64<span></span>
</td>
<td class="nump">42.87<span></span>
</td>
<td class="nump">35.14<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue', window );">Weighted Average Grant-Date Fair Value Vested</a></td>
<td class="nump">31.61<span></span>
</td>
<td class="nump">25.17<span></span>
</td>
<td class="nump">16.73<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue', window );">Weighted Average Grant-Date Fair Value Forfeited</a></td>
<td class="nump">28.03<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue', window );">Weighted Average Grant-Date Fair Value Nonvested at end of year</a></td>
<td class="nump">$ 34.78<span></span>
</td>
<td class="nump">$ 34.00<span></span>
</td>
<td class="nump">$ 26.43<span></span>
</td>
</tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The number of equity-based payment instruments, excluding stock (or unit) options, that were forfeited during the reporting period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(iv)(3)<br> -URI http://asc.fasb.org/extlink&amp;oid=116856206&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td>xbrli:sharesItemType</td>
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<td><strong> Balance Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Weighted average fair value as of the grant date of equity-based award plans other than stock (unit) option plans that were not exercised or put into effect as a result of the occurrence of a terminating event.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(iii)(3)<br> -URI http://asc.fasb.org/extlink&amp;oid=116856206&amp;loc=d3e5070-113901<br></p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The number of grants made during the period on other than stock (or unit) option plans (for example, phantom stock or unit plan, stock or unit appreciation rights plan, performance target plan).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(iii)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=116856206&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The weighted average fair value at grant date for nonvested equity-based awards issued during the period on other than stock (or unit) option plans (for example, phantom stock or unit plan, stock or unit appreciation rights plan, performance target plan).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(iii)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=116856206&amp;loc=d3e5070-113901<br></p></div>
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<tr>
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<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The number of non-vested equity-based payment instruments, excluding stock (or unit) options, that validly exist and are outstanding as of the balance sheet date.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(i)-(ii)<br> -URI http://asc.fasb.org/extlink&amp;oid=116856206&amp;loc=d3e5070-113901<br></p></div>
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<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Per share or unit weighted-average fair value of nonvested award under share-based payment arrangement. Excludes share and unit options.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(i)-(ii)<br> -URI http://asc.fasb.org/extlink&amp;oid=116856206&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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</tr>
<tr>
<td><strong> Data Type:</strong></td>
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</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The number of equity-based payment instruments, excluding stock (or unit) options, that vested during the reporting period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(iii)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=116856206&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The weighted average fair value as of grant date pertaining to an equity-based award plan other than a stock (or unit) option plan for which the grantee gained the right during the reporting period, by satisfying service and performance requirements, to receive or retain shares or units, other instruments, or cash in accordance with the terms of the arrangement.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(iii)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=116856206&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AwardTypeAxis=us-gaap_RestrictedStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
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<head>
<title></title>
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6711449888">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Income Taxes (Details Textual) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2019</div></th>
<th class="th"><div>Dec. 31, 2018</div></th>
<th class="th"><div>Dec. 31, 2017</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxDisclosureAbstract', window );"><strong>Income Tax Disclosure [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxReconciliationChangeInEnactedTaxRate', window );">Provisional net tax expense</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">$ 2,441<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EffectiveIncomeTaxRateReconciliationChangeInEnactedTaxRate', window );">Percentage of federal statutory income tax rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">21.00%<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EffectiveIncomeTaxRateReconciliationChangeInEnactedTaxRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Percentage of the difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying the domestic federal statutory income tax rates to pretax income (loss) from continuing operations attributable to changes in the income tax rates.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB TOPIC 6.I)<br> -URI http://asc.fasb.org/extlink&amp;oid=116825942&amp;loc=d3e330036-122817<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 13<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32698-109319<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 12<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32687-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EffectiveIncomeTaxRateReconciliationChangeInEnactedTaxRate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxDisclosureAbstract">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeTaxDisclosureAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxReconciliationChangeInEnactedTaxRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of the difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying the domestic federal statutory income tax rates to pretax income (loss) from continuing operations, attributable to increase (decrease) in the income tax rates.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 13<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32698-109319<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 45<br> -Paragraph 15<br> -URI http://asc.fasb.org/extlink&amp;oid=116821951&amp;loc=d3e32059-109318<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 12<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32687-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeTaxReconciliationChangeInEnactedTaxRate</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
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<td>duration</td>
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<DOCUMENT>
<TYPE>XML
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<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6706697376">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Employee Benefit Plan (Details)<br></strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th">
<div>Dec. 31, 2019 </div>
<div>USD ($) </div>
<div>ExecutiveOfficers</div>
</th>
<th class="th">
<div>Dec. 31, 2018 </div>
<div>USD ($)</div>
</th>
<th class="th">
<div>Dec. 31, 2017 </div>
<div>USD ($)</div>
</th>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=sfst_ProfitSharingAndFourHundredOneKPlanMember', window );">Profit Sharing and Four Hundred One K Plan [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_EmployeeBenefitPlanTextualAbstract', window );"><strong>Employee Benefit Plan (Textual)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost', window );">Defined benefit plan, annual cost</a></td>
<td class="nump">$ 693,000<span></span>
</td>
<td class="nump">$ 587,000<span></span>
</td>
<td class="nump">$ 476,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=sfst_SupplementalExecutiveRetirementPlanMember', window );">Supplemental Executive Retirement Plan [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_EmployeeBenefitPlanTextualAbstract', window );"><strong>Employee Benefit Plan (Textual)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost', window );">Defined benefit plan, annual cost</a></td>
<td class="nump">$ 657,000<span></span>
</td>
<td class="nump">940,000<span></span>
</td>
<td class="nump">$ 792,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_NumberOfExecutiveOfficers', window );">Number of executive officers | ExecutiveOfficers</a></td>
<td class="nump">24<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccruedEmployeeBenefitsCurrentAndNoncurrent', window );">Accrued benefit obligation</a></td>
<td class="nump">$ 6,700,000<span></span>
</td>
<td class="nump">$ 6,100,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
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<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_EmployeeBenefitPlanTextualAbstract">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_EmployeeBenefitPlanTextualAbstract</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_NumberOfExecutiveOfficers">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of executive officers.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_NumberOfExecutiveOfficers</td>
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<tr>
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</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccruedEmployeeBenefitsCurrentAndNoncurrent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Carrying value as of the balance sheet date of obligations, excluding pension and other postretirement benefits, incurred through that date and payable for perquisites provided to employees pertaining to services received from them.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03.15(a))<br> -URI http://asc.fasb.org/extlink&amp;oid=119400593&amp;loc=d3e572229-122910<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.15(5))<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccruedEmployeeBenefitsCurrentAndNoncurrent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of net periodic benefit cost (credit) for defined benefit plan.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=118255775&amp;loc=d3e2709-114920<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 55<br> -Paragraph 17<br> -URI http://asc.fasb.org/extlink&amp;oid=118257860&amp;loc=d3e4179-114921<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (h)<br> -URI http://asc.fasb.org/extlink&amp;oid=118255775&amp;loc=d3e1928-114920<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RetirementPlanTypeAxis=sfst_ProfitSharingAndFourHundredOneKPlanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RetirementPlanTypeAxis=sfst_ProfitSharingAndFourHundredOneKPlanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RetirementPlanTypeAxis=sfst_SupplementalExecutiveRetirementPlanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RetirementPlanTypeAxis=sfst_SupplementalExecutiveRetirementPlanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
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<TYPE>XML
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<TEXT>
<html>
<head>
<title></title>
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6931635984">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Income Taxes (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2019</div></th>
<th class="th"><div>Dec. 31, 2018</div></th>
<th class="th"><div>Dec. 31, 2017</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CurrentIncomeTaxExpenseBenefitContinuingOperationsAbstract', window );"><strong>Current income taxes:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CurrentFederalTaxExpenseBenefit', window );">Federal</a></td>
<td class="nump">$ 6,791<span></span>
</td>
<td class="nump">$ 5,536<span></span>
</td>
<td class="nump">$ 7,139<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CurrentStateAndLocalTaxExpenseBenefit', window );">State</a></td>
<td class="nump">1,250<span></span>
</td>
<td class="nump">990<span></span>
</td>
<td class="nump">573<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CurrentIncomeTaxExpenseBenefit', window );">Total current tax expense</a></td>
<td class="nump">8,041<span></span>
</td>
<td class="nump">6,526<span></span>
</td>
<td class="nump">7,712<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredIncomeTaxExpenseBenefit', window );">Deferred income tax expense (benefit)</a></td>
<td class="num">(420)<span></span>
</td>
<td class="num">(125)<span></span>
</td>
<td class="nump">2,904<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Income tax expense</a></td>
<td class="nump">$ 7,621<span></span>
</td>
<td class="nump">$ 6,401<span></span>
</td>
<td class="nump">$ 10,616<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CurrentFederalTaxExpenseBenefit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of current federal tax expense (benefit) pertaining to income (loss) from continuing operations.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB Topic 6.I.7)<br> -URI http://asc.fasb.org/extlink&amp;oid=116825942&amp;loc=d3e330036-122817<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(h))<br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32639-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CurrentFederalTaxExpenseBenefit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CurrentIncomeTaxExpenseBenefit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of current income tax expense (benefit) pertaining to taxable income (loss) from continuing operations.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB Topic 6.I.7)<br> -URI http://asc.fasb.org/extlink&amp;oid=116825942&amp;loc=d3e330036-122817<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32639-109319<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(h))<br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CurrentIncomeTaxExpenseBenefit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CurrentIncomeTaxExpenseBenefitContinuingOperationsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CurrentIncomeTaxExpenseBenefitContinuingOperationsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CurrentStateAndLocalTaxExpenseBenefit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of current state and local tax expense (benefit) pertaining to income (loss) from continuing operations.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(h))<br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB Topic 6.I.7)<br> -URI http://asc.fasb.org/extlink&amp;oid=116825942&amp;loc=d3e330036-122817<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32639-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CurrentStateAndLocalTaxExpenseBenefit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredIncomeTaxExpenseBenefit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of deferred income tax expense (benefit) pertaining to income (loss) from continuing operations.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB Topic 6.I.7)<br> -URI http://asc.fasb.org/extlink&amp;oid=116825942&amp;loc=d3e330036-122817<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(h))<br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=118932676&amp;loc=d3e3602-108585<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32639-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredIncomeTaxExpenseBenefit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxExpenseBenefit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 22<br> -Subparagraph (h)<br> -URI http://asc.fasb.org/extlink&amp;oid=115929826&amp;loc=d3e8736-108599<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(h))<br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 20<br> -Section 45<br> -Paragraph 2<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=109238882&amp;loc=d3e38679-109324<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeTaxExpenseBenefit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6915391040">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Loans and Allowance for Loan Losses (Details 8) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2019</div></th>
<th class="th"><div>Dec. 31, 2018</div></th>
<th class="th"><div>Dec. 31, 2017</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestmentAbstract', window );"><strong>Average recorded investment and interest income recognized on impaired loans</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average recorded investment</a></td>
<td class="nump">$ 12,259<span></span>
</td>
<td class="nump">$ 13,084<span></span>
</td>
<td class="nump">$ 13,019<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod', window );">Recognized interest income</a></td>
<td class="nump">640<span></span>
</td>
<td class="nump">733<span></span>
</td>
<td class="nump">637<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_CommercialLoanMember', window );">Commercial [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestmentAbstract', window );"><strong>Average recorded investment and interest income recognized on impaired loans</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average recorded investment</a></td>
<td class="nump">8,482<span></span>
</td>
<td class="nump">8,527<span></span>
</td>
<td class="nump">9,222<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod', window );">Recognized interest income</a></td>
<td class="nump">462<span></span>
</td>
<td class="nump">478<span></span>
</td>
<td class="nump">465<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_CommercialLoanMember', window );">Commercial [Member] | Owner occupied RE [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestmentAbstract', window );"><strong>Average recorded investment and interest income recognized on impaired loans</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average recorded investment</a></td>
<td class="nump">2,739<span></span>
</td>
<td class="nump">2,784<span></span>
</td>
<td class="nump">2,255<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod', window );">Recognized interest income</a></td>
<td class="nump">128<span></span>
</td>
<td class="nump">142<span></span>
</td>
<td class="nump">104<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_CommercialLoanMember', window );">Commercial [Member] | Non-owner occupied RE [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestmentAbstract', window );"><strong>Average recorded investment and interest income recognized on impaired loans</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average recorded investment</a></td>
<td class="nump">4,161<span></span>
</td>
<td class="nump">2,860<span></span>
</td>
<td class="nump">4,144<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod', window );">Recognized interest income</a></td>
<td class="nump">255<span></span>
</td>
<td class="nump">174<span></span>
</td>
<td class="nump">199<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_CommercialLoanMember', window );">Commercial [Member] | Business [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestmentAbstract', window );"><strong>Average recorded investment and interest income recognized on impaired loans</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average recorded investment</a></td>
<td class="nump">1,582<span></span>
</td>
<td class="nump">2,883<span></span>
</td>
<td class="nump">2,823<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod', window );">Recognized interest income</a></td>
<td class="nump">79<span></span>
</td>
<td class="nump">162<span></span>
</td>
<td class="nump">162<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_CommercialLoanMember', window );">Commercial [Member] | Construction [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestmentAbstract', window );"><strong>Average recorded investment and interest income recognized on impaired loans</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average recorded investment</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod', window );">Recognized interest income</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember', window );">Consumer [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestmentAbstract', window );"><strong>Average recorded investment and interest income recognized on impaired loans</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average recorded investment</a></td>
<td class="nump">3,777<span></span>
</td>
<td class="nump">4,557<span></span>
</td>
<td class="nump">3,797<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod', window );">Recognized interest income</a></td>
<td class="nump">178<span></span>
</td>
<td class="nump">255<span></span>
</td>
<td class="nump">172<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember', window );">Consumer [Member] | Other [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestmentAbstract', window );"><strong>Average recorded investment and interest income recognized on impaired loans</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average recorded investment</a></td>
<td class="nump">153<span></span>
</td>
<td class="nump">174<span></span>
</td>
<td class="nump">174<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod', window );">Recognized interest income</a></td>
<td class="nump">5<span></span>
</td>
<td class="nump">5<span></span>
</td>
<td class="nump">6<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember', window );">Consumer [Member] | Construction [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestmentAbstract', window );"><strong>Average recorded investment and interest income recognized on impaired loans</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average recorded investment</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod', window );">Recognized interest income</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember', window );">Consumer [Member] | Real estate [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestmentAbstract', window );"><strong>Average recorded investment and interest income recognized on impaired loans</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average recorded investment</a></td>
<td class="nump">2,771<span></span>
</td>
<td class="nump">2,930<span></span>
</td>
<td class="nump">2,047<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod', window );">Recognized interest income</a></td>
<td class="nump">131<span></span>
</td>
<td class="nump">151<span></span>
</td>
<td class="nump">69<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember', window );">Consumer [Member] | Home equity [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestmentAbstract', window );"><strong>Average recorded investment and interest income recognized on impaired loans</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average recorded investment</a></td>
<td class="nump">853<span></span>
</td>
<td class="nump">1,453<span></span>
</td>
<td class="nump">1,576<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod', window );">Recognized interest income</a></td>
<td class="nump">$ 42<span></span>
</td>
<td class="nump">$ 99<span></span>
</td>
<td class="nump">$ 97<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Average amount of investment of impaired financing receivables with related allowance for credit losses and without a related allowance for credit losses.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 15<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=118936363&amp;loc=d3e5212-111524<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 17<br> -URI http://asc.fasb.org/extlink&amp;oid=118936363&amp;loc=d3e5258-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestmentAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ImpairedFinancingReceivableAverageRecordedInvestmentAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of interest income recognized that the financing receivables (with related allowance for credit losses and without a related allowance for credit losses) were impaired.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 15<br> -Subparagraph (c)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=118936363&amp;loc=d3e5212-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=us-gaap_CommercialLoanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_CommercialLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongtermDebtTypeAxis=sfst_OwnerOccupiedReMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LongtermDebtTypeAxis=sfst_OwnerOccupiedReMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongtermDebtTypeAxis=sfst_NonOwnerOccupiedReMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LongtermDebtTypeAxis=sfst_NonOwnerOccupiedReMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongtermDebtTypeAxis=sfst_BusinessLoanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LongtermDebtTypeAxis=sfst_BusinessLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConstructionLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConstructionLoansMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongtermDebtTypeAxis=sfst_OtherConsumerMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LongtermDebtTypeAxis=sfst_OtherConsumerMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_RealEstateLoanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_RealEstateLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_HomeEquityLoanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_HomeEquityLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
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<head>
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6914458480">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Loans and Allowance for Loan Losses (Details 4) - Consumer [Member] - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
<th class="th"><div>Dec. 31, 2018</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract', window );"><strong>Outstanding commercial and consumer loans which include loans on nonaccrual status</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentCurrent', window );">Current</a></td>
<td class="nump">$ 642,617<span></span>
</td>
<td class="nump">$ 544,522<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">30-59 days past due</a></td>
<td class="nump">1,251<span></span>
</td>
<td class="nump">2,691<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_FinancingReceivableRecordedInvestmentPastDueOne', window );">60-89 days past due</a></td>
<td class="nump">118<span></span>
</td>
<td class="nump">1,036<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_FinancingReceivableRecordedInvestmentPastDueTwo', window );">Greater than 90 days</a></td>
<td class="nump">1,201<span></span>
</td>
<td class="nump">378<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableBeforeFeesGross', window );">Total consumer loans</a></td>
<td class="nump">645,187<span></span>
</td>
<td class="nump">548,627<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember', window );">Other [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract', window );"><strong>Outstanding commercial and consumer loans which include loans on nonaccrual status</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentCurrent', window );">Current</a></td>
<td class="nump">25,650<span></span>
</td>
<td class="nump">23,603<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">30-59 days past due</a></td>
<td class="nump">83<span></span>
</td>
<td class="nump">106<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_FinancingReceivableRecordedInvestmentPastDueOne', window );">60-89 days past due</a></td>
<td class="text"> <span></span>
</td>
<td class="nump">113<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_FinancingReceivableRecordedInvestmentPastDueTwo', window );">Greater than 90 days</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableBeforeFeesGross', window );">Total consumer loans</a></td>
<td class="nump">25,733<span></span>
</td>
<td class="nump">23,822<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember', window );">Real Estate [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract', window );"><strong>Outstanding commercial and consumer loans which include loans on nonaccrual status</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentCurrent', window );">Current</a></td>
<td class="nump">396,445<span></span>
</td>
<td class="nump">317,267<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">30-59 days past due</a></td>
<td class="nump">799<span></span>
</td>
<td class="nump">2,555<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_FinancingReceivableRecordedInvestmentPastDueOne', window );">60-89 days past due</a></td>
<td class="text"> <span></span>
</td>
<td class="nump">923<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_FinancingReceivableRecordedInvestmentPastDueTwo', window );">Greater than 90 days</a></td>
<td class="nump">1,001<span></span>
</td>
<td class="nump">198<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableBeforeFeesGross', window );">Total consumer loans</a></td>
<td class="nump">398,245<span></span>
</td>
<td class="nump">320,943<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember', window );">Construction [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract', window );"><strong>Outstanding commercial and consumer loans which include loans on nonaccrual status</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentCurrent', window );">Current</a></td>
<td class="nump">41,471<span></span>
</td>
<td class="nump">37,925<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">30-59 days past due</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_FinancingReceivableRecordedInvestmentPastDueOne', window );">60-89 days past due</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_FinancingReceivableRecordedInvestmentPastDueTwo', window );">Greater than 90 days</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableBeforeFeesGross', window );">Total consumer loans</a></td>
<td class="nump">41,471<span></span>
</td>
<td class="nump">37,925<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember', window );">Home equity [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract', window );"><strong>Outstanding commercial and consumer loans which include loans on nonaccrual status</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentCurrent', window );">Current</a></td>
<td class="nump">179,051<span></span>
</td>
<td class="nump">165,727<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">30-59 days past due</a></td>
<td class="nump">369<span></span>
</td>
<td class="nump">30<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_FinancingReceivableRecordedInvestmentPastDueOne', window );">60-89 days past due</a></td>
<td class="nump">118<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_FinancingReceivableRecordedInvestmentPastDueTwo', window );">Greater than 90 days</a></td>
<td class="nump">200<span></span>
</td>
<td class="nump">180<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableBeforeFeesGross', window );">Total consumer loans</a></td>
<td class="nump">$ 179,738<span></span>
</td>
<td class="nump">$ 165,937<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_FinancingReceivableRecordedInvestmentPastDueOne">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing receivable recorded investment past due one.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_FinancingReceivableRecordedInvestmentPastDueOne</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_FinancingReceivableRecordedInvestmentPastDueTwo">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing receivable recorded investment past due two.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_FinancingReceivableRecordedInvestmentPastDueTwo</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentCurrent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of financing receivable not past due.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 55<br> -Paragraph 80<br> -URI http://asc.fasb.org/extlink&amp;oid=118955255&amp;loc=SL82922355-210448<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 14<br> -URI http://asc.fasb.org/extlink&amp;oid=119407570&amp;loc=SL82919253-210447<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentCurrent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of financing receivable past due.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 55<br> -Paragraph 80<br> -URI http://asc.fasb.org/extlink&amp;oid=118955255&amp;loc=SL82922355-210448<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 14<br> -URI http://asc.fasb.org/extlink&amp;oid=119407570&amp;loc=SL82919253-210447<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 7A<br> -URI http://asc.fasb.org/extlink&amp;oid=118936363&amp;loc=SL6953401-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentPastDue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableBeforeFeesGross">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount, before allowance and fees, of loans and leases receivable. Excludes loans and leases covered under loss sharing agreements.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=118952595&amp;loc=d3e4428-111522<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LoansAndLeasesReceivableBeforeFeesGross</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongtermDebtTypeAxis=sfst_OtherConsumerMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LongtermDebtTypeAxis=sfst_OtherConsumerMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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</table></div>
</div></td></tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_RealEstateMember</td>
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<tr>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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</table></div>
</div></td></tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConstructionLoansMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_HomeEquityLoanMember</td>
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<tr>
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<td></td>
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<td><strong> Data Type:</strong></td>
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6931289728">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Nonvested restricted stock [Member]</div></th>
<th class="th"><div>Common stock [Member]</div></th>
<th class="th"><div>Preferred stock [Member]</div></th>
<th class="th"><div>Additional paid-in capital [Member]</div></th>
<th class="th"><div>Accumulated other comprehensive income (loss) [Member]</div></th>
<th class="th"><div>Retained Earnings [Member]</div></th>
<th class="th"><div>Total</div></th>
</tr>
<tr class="rc">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">Balance at Dec. 31, 2016</a></td>
<td class="num">$ (600)<span></span>
</td>
<td class="nump">$ 65<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">$ 73,371<span></span>
</td>
<td class="num">$ (504)<span></span>
</td>
<td class="nump">$ 37,540<span></span>
</td>
<td class="nump">$ 109,872<span></span>
</td>
</tr>
<tr class="rc">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SharesOutstanding', window );">Balance, shares at Dec. 31, 2016</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">6,463,789<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">13,045<span></span>
</td>
<td class="nump">13,045<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodValueNewIssues', window );">Net issuance of common stock</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 8<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">24,750<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">24,758<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodSharesNewIssues', window );">Net issuance of common stock, shares</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">805,000<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodValueStockOptionsExercised', window );">Proceeds from exercise of stock options</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">705<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">705<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised', window );">Proceeds from exercise of stock options, shares</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">74,437<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures', window );">Issuance of restricted stock</a></td>
<td class="num">(201)<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">201<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures', window );">Issuance of restricted stock, shares</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4,625<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdjustmentsToAdditionalPaidInCapitalShareBasedCompensationRestrictedStockUnitsRequisiteServicePeriodRecognition', window );">Compensation expense related to restricted stock, net of tax</a></td>
<td class="nump">299<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">299<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue', window );">Compensation expense related to stock options, net of tax</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">959<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">959<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent', window );">Other comprehensive income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">48<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">48<span></span>
</td>
</tr>
<tr class="rc">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">Balance at Dec. 31, 2017</a></td>
<td class="num">(502)<span></span>
</td>
<td class="nump">$ 73<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">99,986<span></span>
</td>
<td class="num">(456)<span></span>
</td>
<td class="nump">50,585<span></span>
</td>
<td class="nump">149,686<span></span>
</td>
</tr>
<tr class="rc">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SharesOutstanding', window );">Balance, shares at Dec. 31, 2017</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">7,347,851<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">22,289<span></span>
</td>
<td class="nump">22,289<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodValueStockOptionsExercised', window );">Proceeds from exercise of stock options</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 2<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">898<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">900<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised', window );">Proceeds from exercise of stock options, shares</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">105,630<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures', window );">Issuance of restricted stock</a></td>
<td class="num">(558)<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">558<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures', window );">Issuance of restricted stock, shares</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">13,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdjustmentsToAdditionalPaidInCapitalShareBasedCompensationRestrictedStockUnitsRequisiteServicePeriodRecognition', window );">Compensation expense related to restricted stock, net of tax</a></td>
<td class="nump">319<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">319<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue', window );">Compensation expense related to stock options, net of tax</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,183<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,183<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent', window );">Other comprehensive income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(461)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(461)<span></span>
</td>
</tr>
<tr class="rc">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">Balance at Dec. 31, 2018</a></td>
<td class="num">(741)<span></span>
</td>
<td class="nump">$ 75<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">102,625<span></span>
</td>
<td class="num">(917)<span></span>
</td>
<td class="nump">72,874<span></span>
</td>
<td class="nump">173,916<span></span>
</td>
</tr>
<tr class="rc">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SharesOutstanding', window );">Balance, shares at Dec. 31, 2018</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">7,466,481<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">27,858<span></span>
</td>
<td class="nump">27,858<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodValueStockOptionsExercised', window );">Proceeds from exercise of stock options</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 2<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">1,767<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">1,769<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised', window );">Proceeds from exercise of stock options, shares</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">191,497<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures', window );">Issuance of restricted stock</a></td>
<td class="num">(490)<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">490<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures', window );">Issuance of restricted stock, shares</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">14,700<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdjustmentsToAdditionalPaidInCapitalShareBasedCompensationRestrictedStockUnitsRequisiteServicePeriodRecognition', window );">Compensation expense related to restricted stock, net of tax</a></td>
<td class="nump">428<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">428<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue', window );">Compensation expense related to stock options, net of tax</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,270<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">1,270<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent', window );">Other comprehensive income</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">619<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">619<span></span>
</td>
</tr>
<tr class="rc">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">Balance at Dec. 31, 2019</a></td>
<td class="num">$ (803)<span></span>
</td>
<td class="nump">$ 77<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">$ 106,152<span></span>
</td>
<td class="num">$ (298)<span></span>
</td>
<td class="nump">$ 100,732<span></span>
</td>
<td class="nump">$ 205,860<span></span>
</td>
</tr>
<tr class="rc">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SharesOutstanding', window );">Balance, shares at Dec. 31, 2019</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">7,672,678<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AdjustmentsToAdditionalPaidInCapitalShareBasedCompensationRestrictedStockUnitsRequisiteServicePeriodRecognition">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of increase to additional paid-in capital (APIC) for recognition of cost for restricted stock unit under share-based payment arrangement.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AdjustmentsToAdditionalPaidInCapitalShareBasedCompensationRestrictedStockUnitsRequisiteServicePeriodRecognition</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
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</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of increase to additional paid-in capital (APIC) for recognition of cost for award under share-based payment arrangement.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 20<br> -Section 55<br> -Paragraph 12<br> -URI http://asc.fasb.org/extlink&amp;oid=118258462&amp;loc=d3e11149-113907<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=116856206&amp;loc=d3e5047-113901<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 20<br> -Section 55<br> -Paragraph 13<br> -URI http://asc.fasb.org/extlink&amp;oid=118258462&amp;loc=d3e11178-113907<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 35<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=116855982&amp;loc=d3e4534-113899<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1A<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=118930883&amp;loc=SL7669619-108580<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(22))<br> -URI http://asc.fasb.org/extlink&amp;oid=116637391&amp;loc=SL114874048-224260<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1B<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=118930883&amp;loc=SL7669625-108580<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(18))<br> -URI http://asc.fasb.org/extlink&amp;oid=116637232&amp;loc=SL114874131-224263<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(20))<br> -URI http://asc.fasb.org/extlink&amp;oid=116634182&amp;loc=SL114868664-224227<br><br>Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -URI http://asc.fasb.org/extlink&amp;oid=118932676&amp;loc=d3e3602-108585<br><br>Reference 7: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetIncomeLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount after tax of other comprehensive income (loss) attributable to parent entity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1B<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=118930883&amp;loc=SL7669625-108580<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1A<br> -Subparagraph (c)(3)<br> -URI http://asc.fasb.org/extlink&amp;oid=109239629&amp;loc=SL4573702-111684<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 45<br> -Paragraph 20<br> -URI http://asc.fasb.org/extlink&amp;oid=108774443&amp;loc=SL4569643-111683<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1A<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=118930883&amp;loc=SL7669619-108580<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 45<br> -Paragraph 19<br> -URI http://asc.fasb.org/extlink&amp;oid=108774443&amp;loc=SL4569616-111683<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SharesOutstanding">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of shares issued which are neither cancelled nor held in the treasury.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SharesOutstanding</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockIssuedDuringPeriodSharesNewIssues">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of new stock issued during the period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=109259400&amp;loc=d3e21463-112644<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=27012166&amp;loc=d3e187085-122770<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StockIssuedDuringPeriodSharesNewIssues</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of shares issued during the period related to Restricted Stock Awards, net of any shares forfeited.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=109259400&amp;loc=d3e21463-112644<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=27012166&amp;loc=d3e187085-122770<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of share options (or share units) exercised during the current period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(iv)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=116856206&amp;loc=d3e5070-113901<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=27012166&amp;loc=d3e187085-122770<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=109259400&amp;loc=d3e21463-112644<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockIssuedDuringPeriodValueNewIssues">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Equity impact of the value of new stock issued during the period. Includes shares issued in an initial public offering or a secondary public offering.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=27012166&amp;loc=d3e187085-122770<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=109259400&amp;loc=d3e21463-112644<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Value of stock related to Restricted Stock Awards issued during the period, net of the stock value of such awards forfeited.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=27012166&amp;loc=d3e187085-122770<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=109259400&amp;loc=d3e21463-112644<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Value of stock issued as a result of the exercise of stock options.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=109259400&amp;loc=d3e21463-112644<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=27012166&amp;loc=d3e187085-122770<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.29-31)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br></p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SAB Topic 4.E)<br> -URI http://asc.fasb.org/extlink&amp;oid=27010918&amp;loc=d3e74512-122707<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(31))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(30))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br></p></div>
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6920466336">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Fair Value Accounting (Details Textual)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2019</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueDisclosuresAbstract', window );"><strong>Fair Value Disclosures [Abstract]</strong></a></td>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_PercentageOfLoansCollateralByRealEstate', window );">Percentage of loans collateralize by real estate</a></td>
<td class="text">More than 83%<span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Percentage of company's loans collateral by real estate.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
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<head>
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6914954128">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Fair Value Accounting (Details) - Fair Value, Measurements, Recurring [Member] - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
<th class="th"><div>Dec. 31, 2018</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_SecuritiesAvailableForSaleFairValueAbstract', window );"><strong>Securities available for sale:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_SecuritiesAvailableForSaleFairValueUsAgencySecurities', window );">US government agencies</a></td>
<td class="nump">$ 499<span></span>
</td>
<td class="nump">$ 8,782<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_SecuritiesAvailableForSaleFairValueSbaSecurities', window );">SBA securities</a></td>
<td class="nump">531<span></span>
</td>
<td class="nump">3,525<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_SecuritiesAvailableForSaleFairValueStateAndPoliticalSubdivisions', window );">State and political subdivisions</a></td>
<td class="nump">4,184<span></span>
</td>
<td class="nump">8,356<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_AssetBackedSecurities', window );">Asset-backed securities</a></td>
<td class="nump">13,167<span></span>
</td>
<td class="nump">9,558<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_MortgageBackedSecuritiesAvailableForSaleFairValueDisclosure', window );">Mortgage-backed securities</a></td>
<td class="nump">49,313<span></span>
</td>
<td class="nump">44,684<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansHeldForSaleFairValueDisclosure', window );">Mortgage loans held for sale</a></td>
<td class="nump">27,046<span></span>
</td>
<td class="nump">9,241<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeAssetsLiabilitiesAtFairValueNet', window );">Mortgage loan interest rate lock commitments</a></td>
<td class="nump">344<span></span>
</td>
<td class="nump">345<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosure', window );">Total assets measured at fair value on a recurring basis</a></td>
<td class="nump">95,084<span></span>
</td>
<td class="nump">84,491<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesFairValueDisclosureAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsSoldNotYetPurchasedAtFairValue', window );">MBS forward sales commitments</a></td>
<td class="nump">39<span></span>
</td>
<td class="nump">121<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesFairValueDisclosure', window );">Total liabilities measured at fair value on a recurring basis</a></td>
<td class="nump">39<span></span>
</td>
<td class="nump">121<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Fair Value, Inputs, Level 1 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_SecuritiesAvailableForSaleFairValueAbstract', window );"><strong>Securities available for sale:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_SecuritiesAvailableForSaleFairValueUsAgencySecurities', window );">US government agencies</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_SecuritiesAvailableForSaleFairValueSbaSecurities', window );">SBA securities</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_SecuritiesAvailableForSaleFairValueStateAndPoliticalSubdivisions', window );">State and political subdivisions</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_AssetBackedSecurities', window );">Asset-backed securities</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_MortgageBackedSecuritiesAvailableForSaleFairValueDisclosure', window );">Mortgage-backed securities</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansHeldForSaleFairValueDisclosure', window );">Mortgage loans held for sale</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeAssetsLiabilitiesAtFairValueNet', window );">Mortgage loan interest rate lock commitments</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosure', window );">Total assets measured at fair value on a recurring basis</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesFairValueDisclosureAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsSoldNotYetPurchasedAtFairValue', window );">MBS forward sales commitments</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesFairValueDisclosure', window );">Total liabilities measured at fair value on a recurring basis</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Fair Value, Inputs, Level 2 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_SecuritiesAvailableForSaleFairValueAbstract', window );"><strong>Securities available for sale:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_SecuritiesAvailableForSaleFairValueUsAgencySecurities', window );">US government agencies</a></td>
<td class="nump">499<span></span>
</td>
<td class="nump">8,782<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_SecuritiesAvailableForSaleFairValueSbaSecurities', window );">SBA securities</a></td>
<td class="nump">531<span></span>
</td>
<td class="nump">3,525<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_SecuritiesAvailableForSaleFairValueStateAndPoliticalSubdivisions', window );">State and political subdivisions</a></td>
<td class="nump">4,184<span></span>
</td>
<td class="nump">8,356<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_AssetBackedSecurities', window );">Asset-backed securities</a></td>
<td class="nump">13,167<span></span>
</td>
<td class="nump">9,558<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_MortgageBackedSecuritiesAvailableForSaleFairValueDisclosure', window );">Mortgage-backed securities</a></td>
<td class="nump">49,313<span></span>
</td>
<td class="nump">44,684<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansHeldForSaleFairValueDisclosure', window );">Mortgage loans held for sale</a></td>
<td class="nump">27,046<span></span>
</td>
<td class="nump">9,241<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeAssetsLiabilitiesAtFairValueNet', window );">Mortgage loan interest rate lock commitments</a></td>
<td class="nump">344<span></span>
</td>
<td class="nump">345<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosure', window );">Total assets measured at fair value on a recurring basis</a></td>
<td class="nump">95,084<span></span>
</td>
<td class="nump">84,891<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesFairValueDisclosureAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsSoldNotYetPurchasedAtFairValue', window );">MBS forward sales commitments</a></td>
<td class="nump">39<span></span>
</td>
<td class="nump">121<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesFairValueDisclosure', window );">Total liabilities measured at fair value on a recurring basis</a></td>
<td class="nump">39<span></span>
</td>
<td class="nump">121<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Fair Value, Inputs, Level 3 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_SecuritiesAvailableForSaleFairValueAbstract', window );"><strong>Securities available for sale:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_SecuritiesAvailableForSaleFairValueUsAgencySecurities', window );">US government agencies</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_SecuritiesAvailableForSaleFairValueSbaSecurities', window );">SBA securities</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_SecuritiesAvailableForSaleFairValueStateAndPoliticalSubdivisions', window );">State and political subdivisions</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_AssetBackedSecurities', window );">Asset-backed securities</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_MortgageBackedSecuritiesAvailableForSaleFairValueDisclosure', window );">Mortgage-backed securities</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansHeldForSaleFairValueDisclosure', window );">Mortgage loans held for sale</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeAssetsLiabilitiesAtFairValueNet', window );">Mortgage loan interest rate lock commitments</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosure', window );">Total assets measured at fair value on a recurring basis</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesFairValueDisclosureAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsSoldNotYetPurchasedAtFairValue', window );">MBS forward sales commitments</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesFairValueDisclosure', window );">Total liabilities measured at fair value on a recurring basis</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_AssetBackedSecurities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Asset-backed securities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_AssetBackedSecurities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_SecuritiesAvailableForSaleFairValueAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_SecuritiesAvailableForSaleFairValueAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_SecuritiesAvailableForSaleFairValueSbaSecurities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Securities Available for Sale, Fair value, SBA Securities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_SecuritiesAvailableForSaleFairValueSbaSecurities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_SecuritiesAvailableForSaleFairValueStateAndPoliticalSubdivisions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Securities Available for Sale, Fair value, State and political subdivisions.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_SecuritiesAvailableForSaleFairValueStateAndPoliticalSubdivisions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_SecuritiesAvailableForSaleFairValueUsAgencySecurities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Securities Available for Sale, Fair value, US agency securities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_SecuritiesAvailableForSaleFairValueUsAgencySecurities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AssetsFairValueDisclosure">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Fair value portion of probable future economic benefits obtained or controlled by an entity as a result of past transactions or events.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 820<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=117815213&amp;loc=d3e19207-110258<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AssetsFairValueDisclosure</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeAssetsLiabilitiesAtFairValueNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Fair values as of the balance sheet date of the net amount of all assets and liabilities resulting from contracts that meet the criteria of being accounted for as derivative instruments.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 45<br> -Paragraph 5<br> -URI http://asc.fasb.org/extlink&amp;oid=117331979&amp;loc=d3e41228-113958<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeAssetsLiabilitiesAtFairValueNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentsSoldNotYetPurchasedAtFairValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Fair value of obligations incurred from short sales.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 940<br> -SubTopic 320<br> -Section 35<br> -Paragraph 1<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=35711043&amp;loc=d3e42429-110968<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentsSoldNotYetPurchasedAtFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LiabilitiesFairValueDisclosure">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Fair value of financial and nonfinancial obligations.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 820<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=117815213&amp;loc=d3e19207-110258<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LiabilitiesFairValueDisclosure</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LiabilitiesFairValueDisclosureAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LiabilitiesFairValueDisclosureAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansHeldForSaleFairValueDisclosure">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Fair value portion of loans held-for-sale including, but not limited to, mortgage loans and finance receivables.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LoansHeldForSaleFairValueDisclosure</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_MortgageBackedSecuritiesAvailableForSaleFairValueDisclosure">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Fair value of securitized, pay-through debt securities collateralized by real estate mortgage loans classified as available-for-sale.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_MortgageBackedSecuritiesAvailableForSaleFairValueDisclosure</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel1Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel1Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel2Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel2Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<DESCRIPTION>IDEA: XBRL DOCUMENT
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<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6930570080">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Loans and Allowance for Loan Losses (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
<th class="th"><div>Dec. 31, 2018</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract', window );"><strong>Composition of loan portfolio</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Total gross loans, net of deferred fees</a></td>
<td class="nump">$ 1,943,525<span></span>
</td>
<td class="nump">$ 1,677,332<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Less - allowance for loan losses</a></td>
<td class="num">(16,642)<span></span>
</td>
<td class="num">(15,762)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetReportedAmount', window );">Total loans, net</a></td>
<td class="nump">$ 1,926,883<span></span>
</td>
<td class="nump">$ 1,661,570<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_LoansAndLeasesReceivableNetOfDeferredIncomePercentage', window );">Total gross loans, net of deferred fees, (Percentage)</a></td>
<td class="nump">100.00%<span></span>
</td>
<td class="nump">100.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember', window );">Consumer [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract', window );"><strong>Composition of loan portfolio</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Total gross loans, net of deferred fees</a></td>
<td class="nump">$ 645,187<span></span>
</td>
<td class="nump">$ 548,627<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_LoansAndLeasesReceivableNetOfDeferredIncomePercentage', window );">Total gross loans, net of deferred fees, (Percentage)</a></td>
<td class="nump">33.20%<span></span>
</td>
<td class="nump">32.70%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember', window );">Consumer [Member] | Other [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract', window );"><strong>Composition of loan portfolio</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Total gross loans, net of deferred fees</a></td>
<td class="nump">$ 25,733<span></span>
</td>
<td class="nump">$ 23,822<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_LoansAndLeasesReceivableNetOfDeferredIncomePercentage', window );">Total gross loans, net of deferred fees, (Percentage)</a></td>
<td class="nump">1.30%<span></span>
</td>
<td class="nump">1.40%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember', window );">Consumer [Member] | Real estate [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract', window );"><strong>Composition of loan portfolio</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Total gross loans, net of deferred fees</a></td>
<td class="nump">$ 398,245<span></span>
</td>
<td class="nump">$ 320,943<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_LoansAndLeasesReceivableNetOfDeferredIncomePercentage', window );">Total gross loans, net of deferred fees, (Percentage)</a></td>
<td class="nump">20.50%<span></span>
</td>
<td class="nump">19.10%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember', window );">Consumer [Member] | Construction [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract', window );"><strong>Composition of loan portfolio</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Total gross loans, net of deferred fees</a></td>
<td class="nump">$ 41,471<span></span>
</td>
<td class="nump">$ 37,925<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_LoansAndLeasesReceivableNetOfDeferredIncomePercentage', window );">Total gross loans, net of deferred fees, (Percentage)</a></td>
<td class="nump">2.10%<span></span>
</td>
<td class="nump">2.30%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember', window );">Consumer [Member] | Home equity [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract', window );"><strong>Composition of loan portfolio</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Total gross loans, net of deferred fees</a></td>
<td class="nump">$ 179,738<span></span>
</td>
<td class="nump">$ 165,937<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_LoansAndLeasesReceivableNetOfDeferredIncomePercentage', window );">Total gross loans, net of deferred fees, (Percentage)</a></td>
<td class="nump">9.30%<span></span>
</td>
<td class="nump">9.90%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_CommercialLoanMember', window );">Commercial [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract', window );"><strong>Composition of loan portfolio</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Total gross loans, net of deferred fees</a></td>
<td class="nump">$ 1,298,338<span></span>
</td>
<td class="nump">$ 1,128,705<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_LoansAndLeasesReceivableNetOfDeferredIncomePercentage', window );">Total gross loans, net of deferred fees, (Percentage)</a></td>
<td class="nump">66.80%<span></span>
</td>
<td class="nump">67.30%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_CommercialLoanMember', window );">Commercial [Member] | Business [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract', window );"><strong>Composition of loan portfolio</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Total gross loans, net of deferred fees</a></td>
<td class="nump">$ 308,123<span></span>
</td>
<td class="nump">$ 272,980<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_LoansAndLeasesReceivableNetOfDeferredIncomePercentage', window );">Total gross loans, net of deferred fees, (Percentage)</a></td>
<td class="nump">15.90%<span></span>
</td>
<td class="nump">16.30%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_CommercialLoanMember', window );">Commercial [Member] | Non-owner occupied RE [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract', window );"><strong>Composition of loan portfolio</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Total gross loans, net of deferred fees</a></td>
<td class="nump">$ 501,878<span></span>
</td>
<td class="nump">$ 404,296<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_LoansAndLeasesReceivableNetOfDeferredIncomePercentage', window );">Total gross loans, net of deferred fees, (Percentage)</a></td>
<td class="nump">25.80%<span></span>
</td>
<td class="nump">24.10%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_CommercialLoanMember', window );">Commercial [Member] | Owner occupied RE [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract', window );"><strong>Composition of loan portfolio</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Total gross loans, net of deferred fees</a></td>
<td class="nump">$ 407,851<span></span>
</td>
<td class="nump">$ 367,018<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_LoansAndLeasesReceivableNetOfDeferredIncomePercentage', window );">Total gross loans, net of deferred fees, (Percentage)</a></td>
<td class="nump">21.00%<span></span>
</td>
<td class="nump">21.90%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_CommercialLoanMember', window );">Commercial [Member] | Construction [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract', window );"><strong>Composition of loan portfolio</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Total gross loans, net of deferred fees</a></td>
<td class="nump">$ 80,486<span></span>
</td>
<td class="nump">$ 84,411<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_LoansAndLeasesReceivableNetOfDeferredIncomePercentage', window );">Total gross loans, net of deferred fees, (Percentage)</a></td>
<td class="nump">4.10%<span></span>
</td>
<td class="nump">5.00%<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_LoansAndLeasesReceivableNetOfDeferredIncomePercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Loans and leases receivable net of deferred income percentage.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_LoansAndLeasesReceivableNetOfDeferredIncomePercentage</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableAllowance">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.7(d))<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (g)<br> -URI http://asc.fasb.org/extlink&amp;oid=118936363&amp;loc=SL6953423-111524<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 30<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b)(1)(ii)<br> -URI http://asc.fasb.org/extlink&amp;oid=118939070&amp;loc=d3e15032-111544<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=118936363&amp;loc=SL6953423-111524<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section S99<br> -Paragraph 4<br> -Subparagraph (SAB Topic 6.L.1)<br> -URI http://asc.fasb.org/extlink&amp;oid=27010918&amp;loc=d3e74567-122707<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LoansAndLeasesReceivableAllowance</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount before allowance and after 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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=118952595&amp;loc=d3e4428-111522<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=118936363&amp;loc=d3e5074-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableNetReportedAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=118952595&amp;loc=d3e4428-111522<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.7)<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LoansAndLeasesReceivableNetReportedAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongtermDebtTypeAxis=sfst_OtherConsumerMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LongtermDebtTypeAxis=sfst_OtherConsumerMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_RealEstateLoanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_RealEstateLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConstructionLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConstructionLoansMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_HomeEquityLoanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_HomeEquityLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=us-gaap_CommercialLoanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_CommercialLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongtermDebtTypeAxis=sfst_BusinessLoanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LongtermDebtTypeAxis=sfst_BusinessLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongtermDebtTypeAxis=sfst_NonOwnerOccupiedReMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LongtermDebtTypeAxis=sfst_NonOwnerOccupiedReMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongtermDebtTypeAxis=sfst_OwnerOccupiedReMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LongtermDebtTypeAxis=sfst_OwnerOccupiedReMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>55
<FILENAME>R2.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
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<body>
<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6931051168">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>CONSOLIDATED BALANCE SHEETS - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
<th class="th"><div>Dec. 31, 2018</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashCashEquivalentsAndFederalFundsSoldAbstract', window );"><strong>Cash and cash equivalents:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndDueFromBanks', window );">Cash and due from banks</a></td>
<td class="nump">$ 19,196<span></span>
</td>
<td class="nump">$ 17,434<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalFundsSold', window );">Federal funds sold</a></td>
<td class="nump">89,256<span></span>
</td>
<td class="nump">35,882<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestBearingDepositsInBanks', window );">Interest-bearing deposits with banks</a></td>
<td class="nump">19,364<span></span>
</td>
<td class="nump">19,557<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashCashEquivalentsAndFederalFundsSold', window );">Total cash and cash equivalents</a></td>
<td class="nump">127,816<span></span>
</td>
<td class="nump">72,873<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_MarketableSecuritiesAbstract', window );"><strong>Investment securities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Investment securities available for sale</a></td>
<td class="nump">67,694<span></span>
</td>
<td class="nump">74,905<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherInvestments', window );">Other investments</a></td>
<td class="nump">6,948<span></span>
</td>
<td class="nump">4,121<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_MarketableSecurities', window );">Total investment securities</a></td>
<td class="nump">74,642<span></span>
</td>
<td class="nump">79,026<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansReceivableHeldForSaleAmount', window );">Mortgage loans held for sale</a></td>
<td class="nump">27,046<span></span>
</td>
<td class="nump">9,241<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Loans</a></td>
<td class="nump">1,943,525<span></span>
</td>
<td class="nump">1,677,332<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Less allowance for loan losses</a></td>
<td class="num">(16,642)<span></span>
</td>
<td class="num">(15,762)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetReportedAmount', window );">Loans, net</a></td>
<td class="nump">1,926,883<span></span>
</td>
<td class="nump">1,661,570<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_BankOwnedLifeInsurance', window );">Bank owned life insurance</a></td>
<td class="nump">40,011<span></span>
</td>
<td class="nump">34,010<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentNet', window );">Property and equipment, net</a></td>
<td class="nump">58,478<span></span>
</td>
<td class="nump">32,430<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsLiabilitiesNet', window );">Deferred income taxes, net</a></td>
<td class="nump">4,275<span></span>
</td>
<td class="nump">4,020<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherAssets', window );">Other assets</a></td>
<td class="nump">8,044<span></span>
</td>
<td class="nump">7,444<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Assets', window );">Total assets</a></td>
<td class="nump">2,267,195<span></span>
</td>
<td class="nump">1,900,614<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesAndStockholdersEquityAbstract', window );"><strong>LIABILITIES</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Deposits', window );">Deposits</a></td>
<td class="nump">1,876,124<span></span>
</td>
<td class="nump">1,648,136<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_FederalHomeLoanBankAdvancesAndRepurchaseAgreements', window );">Federal Home Loan Bank advances and other borrowings</a></td>
<td class="nump">110,000<span></span>
</td>
<td class="nump">50,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_JuniorSubordinatedNotes', window );">Subordinated debentures</a></td>
<td class="nump">35,890<span></span>
</td>
<td class="nump">13,403<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherLiabilities', window );">Other liabilities</a></td>
<td class="nump">39,321<span></span>
</td>
<td class="nump">15,159<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Liabilities', window );">Total liabilities</a></td>
<td class="nump">2,061,335<span></span>
</td>
<td class="nump">1,726,698<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquityAbstract', window );"><strong>SHAREHOLDERS' EQUITY</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockValueOutstanding', window );">Preferred stock, par value $.01 per share, 10,000,000 shares authorized</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockValueOutstanding', window );">Common stock, par value $.01 per share, 10,000,000 shares authorized, 7,672,678 and 7,466,481 shares issued and outstanding at December 31, 2019 and 2018, respectively</a></td>
<td class="nump">77<span></span>
</td>
<td class="nump">75<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_NonvestedRestrictedStockValue', window );">Nonvested restricted stock</a></td>
<td class="num">(803)<span></span>
</td>
<td class="num">(741)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdditionalPaidInCapital', window );">Additional paid-in capital</a></td>
<td class="nump">106,152<span></span>
</td>
<td class="nump">102,625<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax', window );">Accumulated other comprehensive loss</a></td>
<td class="num">(298)<span></span>
</td>
<td class="num">(917)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RetainedEarningsAccumulatedDeficit', window );">Retained earnings</a></td>
<td class="nump">100,732<span></span>
</td>
<td class="nump">72,874<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">Total shareholders' equity</a></td>
<td class="nump">205,860<span></span>
</td>
<td class="nump">173,916<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesAndStockholdersEquity', window );">Total liabilities and shareholders' equity</a></td>
<td class="nump">$ 2,267,195<span></span>
</td>
<td class="nump">$ 1,900,614<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_FederalHomeLoanBankAdvancesAndRepurchaseAgreements">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of borrowings as of the balance sheet date from the Federal Home Loan Bank, which are primarily used to cover shortages in the required reserve balance and liquidity shortages and repurchase agreements.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_FederalHomeLoanBankAdvancesAndRepurchaseAgreements</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_NonvestedRestrictedStockValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Aggregate value of restricted common stock, which are yet to be vested.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_NonvestedRestrictedStockValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=118930883&amp;loc=d3e637-108580<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 14A<br> -URI http://asc.fasb.org/extlink&amp;oid=118930883&amp;loc=SL7669686-108580<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 14<br> -URI http://asc.fasb.org/extlink&amp;oid=118930883&amp;loc=d3e681-108580<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AdditionalPaidInCapital">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Excess of issue price over par or stated value of the entity's capital stock and amounts received from other transactions involving the entity's stock or stockholders. Includes adjustments to additional paid in capital. Some examples of such adjustments include recording the issuance of debt with a beneficial conversion feature and certain tax consequences of equity instruments awarded to employees. Use this element for the aggregate amount of additional paid-in capital associated with common and preferred stock. For additional paid-in capital associated with only common stock, use the element additional paid in capital, common stock. For additional paid-in capital associated with only preferred stock, use the element additional paid in capital, preferred stock.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(30)(a)(1))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AdditionalPaidInCapital</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Assets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(11))<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 22<br> -URI http://asc.fasb.org/extlink&amp;oid=115929826&amp;loc=d3e8736-108599<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(12))<br> -URI http://asc.fasb.org/extlink&amp;oid=119400593&amp;loc=d3e572229-122910<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_Assets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecurities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of investment in debt and equity securities categorized neither as held-to-maturity nor trading.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AvailableForSaleSecurities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BankOwnedLifeInsurance">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The carrying amount of a life insurance policy on an officer, executive or employee for which the reporting entity (a bank) is entitled to proceeds from the policy upon death of the insured or surrender of the insurance policy.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.10)<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BankOwnedLifeInsurance</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndDueFromBanks">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>For banks and other depository institutions: Includes cash on hand (currency and coin), cash items in process of collection, noninterest bearing deposits due from other financial institutions (including corporate credit unions), and noninterest bearing balances with the Federal Reserve Banks, Federal Home Loan Banks and central banks.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(1))<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CashAndDueFromBanks</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashCashEquivalentsAndFederalFundsSold">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The sum of cash and cash equivalents plus Federal Funds Sold. Cash and cash equivalents consist of short term, highly liquid investments that are readily convertible to known amounts of cash and are so near their maturity that they present negligible risk of changes in value due to changes in interest rates -- usually with an original maturity less than 90 days.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.1,2,3)<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CashCashEquivalentsAndFederalFundsSold</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashCashEquivalentsAndFederalFundsSoldAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CashCashEquivalentsAndFederalFundsSoldAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockValueOutstanding">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CommonStockValueOutstanding</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsLiabilitiesNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount, after allocation of valuation allowances and deferred tax liability, of deferred tax asset attributable to deductible differences and carryforwards, without jurisdictional netting.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32537-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredTaxAssetsLiabilitiesNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Deposits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.12)<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_Deposits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalFundsSold">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.3)<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FederalFundsSold</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestBearingDepositsInBanks">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section 45<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=117340910&amp;loc=d3e59706-112781<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.2)<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestBearingDepositsInBanks</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_JuniorSubordinatedNotes">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Including the current and noncurrent portions, carrying value as of the balance sheet date of long-term debt (with maturities initially due after one year or beyond the operating cycle if longer) identified as Junior Subordinated Notes, which have a lower priority than senior instruments.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(16)(a))<br> -URI http://asc.fasb.org/extlink&amp;oid=119400593&amp;loc=d3e572229-122910<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(22))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(16))<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_JuniorSubordinatedNotes</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Liabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.19-26)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_Liabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LiabilitiesAndStockholdersEquity">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of liabilities and equity items, including the portion of equity attributable to noncontrolling interests, if any.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(23))<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(25))<br> -URI http://asc.fasb.org/extlink&amp;oid=119400593&amp;loc=d3e572229-122910<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(32))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LiabilitiesAndStockholdersEquity</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LiabilitiesAndStockholdersEquityAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LiabilitiesAndStockholdersEquityAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableAllowance">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.7(d))<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (g)<br> -URI http://asc.fasb.org/extlink&amp;oid=118936363&amp;loc=SL6953423-111524<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 30<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b)(1)(ii)<br> -URI http://asc.fasb.org/extlink&amp;oid=118939070&amp;loc=d3e15032-111544<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=118936363&amp;loc=SL6953423-111524<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section S99<br> -Paragraph 4<br> -Subparagraph (SAB Topic 6.L.1)<br> -URI http://asc.fasb.org/extlink&amp;oid=27010918&amp;loc=d3e74567-122707<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LoansAndLeasesReceivableAllowance</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount before allowance and after 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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=118952595&amp;loc=d3e4428-111522<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=118936363&amp;loc=d3e5074-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableNetReportedAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=118952595&amp;loc=d3e4428-111522<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.7)<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LoansAndLeasesReceivableNetReportedAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansReceivableHeldForSaleAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The face amount of loans that will be sold to other entities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=118952595&amp;loc=d3e4428-111522<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LoansReceivableHeldForSaleAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_MarketableSecurities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of investment in marketable security.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.4)<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_MarketableSecurities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_MarketableSecuritiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_MarketableSecuritiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of assets classified as other.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(17))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(10))<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(10))<br> -URI http://asc.fasb.org/extlink&amp;oid=119400593&amp;loc=d3e572229-122910<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherInvestments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of investments classified as other.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03.1(f,g))<br> -URI http://asc.fasb.org/extlink&amp;oid=119400593&amp;loc=d3e572229-122910<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.12)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherInvestments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of liabilities classified as other.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.15)<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockValueOutstanding">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PreferredStockValueOutstanding</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(14))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 360<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(8))<br> -URI http://asc.fasb.org/extlink&amp;oid=119400593&amp;loc=d3e572229-122910<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(13))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RetainedEarningsAccumulatedDeficit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cumulative amount of the reporting entity's undistributed earnings or deficit.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(30)(a)(3))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(23)(a)(4))<br> -URI http://asc.fasb.org/extlink&amp;oid=119400593&amp;loc=d3e572229-122910<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=27012166&amp;loc=d3e187085-122770<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RetainedEarningsAccumulatedDeficit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
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<td><strong> Data Type:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
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</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockholdersEquity">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SAB Topic 4.E)<br> -URI http://asc.fasb.org/extlink&amp;oid=27010918&amp;loc=d3e74512-122707<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(31))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(30))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StockholdersEquity</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StockholdersEquityAbstract</td>
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6706697136">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Derivative Financial Instruments (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2019</div></th></tr>
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<td class="text">&#160;<span></span>
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<td class="text"><div><p style="text-align: justify"><font style="font: x-small Arial">The following table summarizes the Company&#8217;s outstanding financial derivative instruments at December 31, 2019 and December 31, 2018.</font></p>
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   <td colspan="7" style="border-top: #000000 1.5pt solid; width: 7%; white-space: nowrap; text-align: right">&#160;&#160;</td>
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   <td colspan="7" style="border-bottom: #000000 1pt solid; width: 7%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">December 31, 2019</font></b></td>
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   <td style="border-bottom: #000000 1pt solid; width: 91%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">(dollars in thousands)</font></td>
   <td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>
   <td colspan="2" style="border-bottom: #000000 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Notional</font></b></td>
   <td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160;</td>
   <td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Balance Sheet Location</font></b></td>
   <td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>
   <td colspan="2" style="border-bottom: #000000 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Asset/(Liability)</font></b></td>
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   <td style="width: 91%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Mortgage loan interest rate lock commitments</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">26,446</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">Other assets</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;$</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">344</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>
<tr style="vertical-align: bottom">
   <td style="border-bottom: #000000 1pt solid; width: 91%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">MBS forward sales commitments</font></td>
   <td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">20,500</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">Other liabilities</font></td>
   <td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(39</font></td>
   <td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td></tr>
<tr style="vertical-align: bottom; background-color: Silver">
   <td style="border-bottom: #000000 1.5pt solid; width: 91%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total derivative financial instruments</font></td>
   <td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>
   <td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>
   <td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">46,946</font></td>
   <td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>
   <td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>
   <td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>
   <td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>
   <td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">305</font></td>
   <td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td></tr></table> <br />

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<tr style="vertical-align: bottom">
   <td style="width: 91%; white-space: nowrap; text-align: left"></td>
   <td style="width: 1%; white-space: nowrap; text-align: left"></td>
   <td colspan="7" style="width: 7%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">December 31, 2018</font></b></td>
   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>
<tr style="vertical-align: bottom">
   <td style="width: 91%; white-space: nowrap; text-align: left"></td>
   <td style="width: 1%; white-space: nowrap; text-align: left"></td>
   <td colspan="2" style="width: 2%; white-space: nowrap; text-align: left"></td>
   <td style="width: 1%; white-space: nowrap; text-align: left"></td>
   <td style="width: 1%; white-space: nowrap; text-align: left"></td>
   <td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>
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   <td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td></tr>
<tr style="vertical-align: bottom">
   <td style="border-bottom: #000000 1pt solid; width: 91%; white-space: nowrap; text-align: left"></td>
   <td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>
   <td colspan="2" style="border-bottom: #000000 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Notional</font></b></td>
   <td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160;</td>
   <td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Balance Sheet Location</font></b></td>
   <td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>
   <td colspan="2" style="border-bottom: #000000 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Asset/(Liability)</font></b></td>
   <td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td></tr>
<tr style="vertical-align: bottom; background-color: Silver">
   <td style="width: 91%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Mortgage loan interest rate lock commitments</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;&#160;&#160;&#160;&#160;$</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">20,552</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">Other assets</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;$</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">345</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>
<tr style="vertical-align: bottom">
   <td style="border-bottom: #000000 1pt solid; width: 91%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">MBS forward sales commitments</font></td>
   <td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">11,750</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">Other liabilities</font></td>
   <td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(121</font></td>
   <td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td></tr>
<tr style="vertical-align: bottom; background-color: Silver">
   <td style="border-bottom: #000000 1.5pt solid; width: 91%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total derivative financial instruments</font></td>
   <td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>
   <td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>
   <td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">32,302</font></td>
   <td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>
   <td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>
   <td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>
   <td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>
   <td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">224</font></td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the notional amounts of outstanding derivative positions.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1A<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=109980867&amp;loc=SL5579245-113959<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6920399648">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Related Party Transactions (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2019</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RelatedPartyTransactionsAbstract', window );"><strong>Related Party Transactions [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="text"><div><p style="text-align: justify"><font style="font: x-small Arial">A summary of loan transactions with directors and executive officers, including their affiliates is as follows:</font></p>

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<tr style="vertical-align: bottom">

   <td style="border-top: Black 1.5pt solid; width: 89%; white-space: nowrap; text-align: left">&#160;</td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="6" style="border-top: Black 1.5pt solid; width: 10%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 89%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="5" style="border-bottom: Black 1pt solid; width: 9%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">For the years ended December 31,</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right">&#160;</td></tr>

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   <td style="border-bottom: Black 1pt solid; width: 89%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">(dollars in thousands)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2019</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2018</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right">&#160;</td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 89%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Balance, beginning of year</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;$</font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">13,969</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">15,276</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 89%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">New loans</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">6,709</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">5,686</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; width: 89%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Less loan payments</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(9,787</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(6,993</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1.5pt solid; width: 89%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Balance, end of year</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">10,891</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">13,969</font></td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of related party transactions. Examples of related party transactions include, but are not limited to, transactions between (a) a parent company and its subsidiary; (b) subsidiaries of a common parent; (c) and entity and its principal owners and (d) affiliates.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6920498640">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Financial Instruments With Off-Balance Sheet Risk<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2019</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_FinancialInstrumentsWithOffBalanceSheetRiskAbstract', window );"><strong>Financial Instruments With Off-Balance Sheet Risk [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_FinancialInstrumentsWithOffBalanceSheetRiskTextBlock', window );">Financial Instruments With Off-Balance Sheet Risk</a></td>
<td class="text"><div><p style="text-align: justify"><b><font style="font: x-small Arial">NOTE 19 &#8211; Financial Instruments With Off-Balance Sheet Risk</font></b></p>

<p style="text-align: justify"><font style="font: x-small Arial">In the ordinary course of business, and to meet the financing needs of its clients, the Company is a party to various financial instruments with off-balance sheet risk. These financial instruments, which include commitments to extend credit and standby letters of credit, involve, to varying degrees, elements of credit and interest rate risk in excess of the amounts recognized in the balance sheets. The contract amount of those instruments reflects the extent of involvement the Company has in particular classes of financial instruments.</font></p>

<p style="text-align: justify"><font style="font: x-small Arial">The Company&#8217;s exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit and standby letters of credit is represented by the contractual amounts of those instruments. The Company uses the same credit policies in making commitments and conditional obligations as it does for on-balance sheet instruments.</font></p>

<p style="text-align: justify"><font style="font: x-small Arial">Commitments to extend credit are agreements
to lend to a client as long as there is no violation of any material condition established in the contract. Commitments generally
have fixed expiration dates or other termination clauses and may require the payment of a fee. At December 31, 2019, unfunded
commitments to extend credit were approximately $426.6 million, of which $105.0 million is at fixed rates and $321.6 million is
at variable rates. At December 31, 2018, unfunded commitments to extend credit were approximately $399.4 million, of which $130.5
million is at fixed rates and $269.0 million is at variable rates. The Company evaluates each client&#8217;s credit-worthiness
on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the Company upon extension of credit, is based
on management&#8217;s credit evaluation of the borrower. Collateral varies but may include accounts receivable, inventory, property,
plant and equipment, and commercial and residential real estate.</font></p>



<p style="text-align: justify"><font style="font: x-small Arial">At December 31, 2019 and 2018, there was a $9.9 million and $10.0 million commitment, respectively, under letters of credit. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loan facilities to clients. Collateral varies but may include accounts receivable, inventory, equipment, marketable securities and property. Since most of the letters of credit are expected to expire without being drawn upon, they do not necessarily represent future cash requirements. The fair value of off balance sheet lending commitments are based on fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the counterparties credit standing. The total fair value of such instruments is not material.</font></p></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for financial instruments with off-balance sheet risk.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6811883376">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Earnings Per Common Share<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2019</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareAbstract', window );"><strong>Earnings per common share</strong></a></td>
<td class="text">&#160;<span></span>
</td>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareTextBlock', window );">Earnings Per Common Share</a></td>
<td class="text"><div><p style="text-align: justify"><b><font style="font: x-small Arial">NOTE 15 &#8211; Earnings Per Common Share</font></b></p>

<p style="text-align: justify"><font style="font: x-small Arial">The following schedule reconciles the numerators and denominators of the basic and diluted earnings per share computations for the years ended December 31, 2019, 2018 and 2017. Dilutive common shares arise from the potentially dilutive effect of the Company&#8217;s stock options and warrants that are outstanding. The assumed conversion of stock options and warrants can create a difference between basic and dilutive net income per common share.</font></p>

<p style="text-align: justify"><font style="font: x-small Arial">At December 31, 2019, 2018 and 2017, options totaling 94,885, 195,425, and 107,015, respectively, were anti-dilutive in the calculation of earnings per share as their exercise price exceeded the fair market value. These options were therefore excluded from the diluted earnings per share calculation.</font></p>

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<tr style="vertical-align: bottom">
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td colspan="7" style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td></tr>
<tr style="vertical-align: bottom">

   <td style="width: 86%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="7" style="border-bottom: Black 1pt solid; width: 13%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">December 31,</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 86%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">(dollars in thousands, except share data)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2019</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160;</td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2018</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2017</font></b></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 86%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Numerator:</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 86%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Net income</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">27,858</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;$</font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">22,289</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">13,045</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 86%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Net income available to common shareholders</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">27,858</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">22,289</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">13,045</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 86%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Denominator:</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 86%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Weighted-average common shares outstanding - basic</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,528,283</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,384,200</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,005,703</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 86%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Common stock equivalents</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">244,261</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">353,295</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">387,674</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 86%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Weighted-average common shares outstanding - diluted</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,772,544</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,737,495</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,393,377</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 86%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Earnings per common share:</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 86%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Basic</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3.70</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3.02</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1.86</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1.5pt solid; padding-left: 15pt; width: 86%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Diluted</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3.58</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2.88</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1.76</font></td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for earnings per share.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -URI http://asc.fasb.org/topic&amp;trid=2144383<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6915388688">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Income Taxes (Details 2) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
<th class="th"><div>Dec. 31, 2018</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ComponentsOfDeferredTaxAssetsAbstract', window );"><strong>Deferred tax assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses', window );">Allowance for loan losses</a></td>
<td class="nump">$ 3,495<span></span>
</td>
<td class="nump">$ 3,310<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsUnrealizedLossesOnAvailableforSaleSecuritiesGross', window );">Unrealized loss on securities available for sale</a></td>
<td class="nump">79<span></span>
</td>
<td class="nump">244<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_DeferredTaxAssetsNetDeferredLoanFees', window );">Net deferred loan fees</a></td>
<td class="nump">697<span></span>
</td>
<td class="nump">592<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefits', window );">Deferred compensation</a></td>
<td class="nump">1,404<span></span>
</td>
<td class="nump">1,280<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_DeferredTaxAssetSaleOfRealEstateOwned', window );">Sale of real estate owned</a></td>
<td class="text"> <span></span>
</td>
<td class="nump">128<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_DeferredTaxAssetsLeaseLiabilities', window );">Lease liabilities</a></td>
<td class="nump">4,219<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsOther', window );">Other</a></td>
<td class="nump">234<span></span>
</td>
<td class="nump">130<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsGross', window );">Deferred tax assets, gross</a></td>
<td class="nump">10,128<span></span>
</td>
<td class="nump">5,684<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ComponentsOfDeferredTaxLiabilitiesAbstract', window );"><strong>Deferred tax liabilities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxLiabilitiesPropertyPlantAndEquipment', window );">Property and equipment</a></td>
<td class="nump">1,398<span></span>
</td>
<td class="nump">1,433<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_DeferredTaxLiabilitiesHedgingTransactions', window );">Hedging transactions</a></td>
<td class="nump">227<span></span>
</td>
<td class="nump">112<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxLiabilitiesPrepaidExpenses', window );">Prepaid expenses</a></td>
<td class="nump">132<span></span>
</td>
<td class="nump">107<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_DeferredTaxLiabilitiesRightOfUseAssets', window );">Right-of-use assets</a></td>
<td class="nump">4,096<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxLiabilitiesOther', window );">Other</a></td>
<td class="text"> <span></span>
</td>
<td class="nump">12<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredIncomeTaxLiabilities', window );">Deferred tax liabilities, gross</a></td>
<td class="nump">5,853<span></span>
</td>
<td class="nump">1,664<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsLiabilitiesNet', window );">Net deferred tax asset</a></td>
<td class="nump">$ 4,275<span></span>
</td>
<td class="nump">$ 4,020<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_DeferredTaxAssetSaleOfRealEstateOwned">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Deferred tax asset Sale of real estate owned.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_DeferredTaxAssetSaleOfRealEstateOwned</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_DeferredTaxAssetsLeaseLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from a gain reported for tax purposes on lease liabilities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_DeferredTaxAssetsLeaseLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_DeferredTaxAssetsNetDeferredLoanFees">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Deferred tax assets net deferred loan fees.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_DeferredTaxAssetsNetDeferredLoanFees</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_DeferredTaxLiabilitiesHedgingTransactions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Deferred tax liabilities hedging transactions.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_DeferredTaxLiabilitiesHedgingTransactions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_DeferredTaxLiabilitiesRightOfUseAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of deferred tax liability attributable to taxable temporary differences from right of use assets.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_DeferredTaxLiabilitiesRightOfUseAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ComponentsOfDeferredTaxAssetsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ComponentsOfDeferredTaxAssetsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ComponentsOfDeferredTaxLiabilitiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ComponentsOfDeferredTaxLiabilitiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredIncomeTaxLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of deferred tax liability attributable to taxable temporary differences.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(26)(b))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(15)(b)(2))<br> -URI http://asc.fasb.org/extlink&amp;oid=119400593&amp;loc=d3e572229-122910<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(15)(2))<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(26)(a))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32537-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredIncomeTaxLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsGross">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences and carryforwards.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32537-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredTaxAssetsGross</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsLiabilitiesNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount, after allocation of valuation allowances and deferred tax liability, of deferred tax asset attributable to deductible differences and carryforwards, without jurisdictional netting.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32537-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredTaxAssetsLiabilitiesNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsOther">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount, before allocation of valuation allowance, of deferred tax asset attributable to deductible temporary differences, classified as other.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 25<br> -Paragraph 20<br> -URI http://asc.fasb.org/extlink&amp;oid=117330534&amp;loc=d3e28680-109314<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32632-109319<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32621-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredTaxAssetsOther</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from compensation and benefits costs.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32621-109319<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32632-109319<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 25<br> -Paragraph 20<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=117330534&amp;loc=d3e28680-109314<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from the provision for loan losses.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32632-109319<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 25<br> -Paragraph 20<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=117330534&amp;loc=d3e28680-109314<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32621-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsUnrealizedLossesOnAvailableforSaleSecuritiesGross">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from unrealized losses on available-for-sale securities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 25<br> -Paragraph 20<br> -URI http://asc.fasb.org/extlink&amp;oid=117330534&amp;loc=d3e28680-109314<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32621-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredTaxAssetsUnrealizedLossesOnAvailableforSaleSecuritiesGross</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxLiabilitiesOther">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of deferred tax liability attributable to taxable temporary differences classified as other.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 25<br> -Paragraph 20<br> -URI http://asc.fasb.org/extlink&amp;oid=117330534&amp;loc=d3e28680-109314<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32632-109319<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32621-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredTaxLiabilitiesOther</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxLiabilitiesPrepaidExpenses">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of deferred tax consequences attributable to taxable temporary differences derived from prepaid expenses.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredTaxLiabilitiesPrepaidExpenses</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxLiabilitiesPropertyPlantAndEquipment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of deferred tax liability attributable to taxable temporary differences from property, plant, and equipment.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 25<br> -Paragraph 20<br> -URI http://asc.fasb.org/extlink&amp;oid=117330534&amp;loc=d3e28680-109314<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32621-109319<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32632-109319<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredTaxLiabilitiesPropertyPlantAndEquipment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6916938976">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Financial Instruments With Off-Balance Sheet Risk (Details) - USD ($)<br> $ in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
<th class="th"><div>Dec. 31, 2018</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_FinancialInstrumentsWithOffBalanceSheetRiskTextualAbstract', window );"><strong>Financial instruments with off-balance sheet risk (Textual)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_CommitmentUnderLettersOfCredit', window );">Commitment under letters of credit</a></td>
<td class="nump">$ 9.9<span></span>
</td>
<td class="nump">$ 10.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_CommitmentsToExtendCreditMember', window );">Commitments To Extend Credit [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_FinancialInstrumentsWithOffBalanceSheetRiskTextualAbstract', window );"><strong>Financial instruments with off-balance sheet risk (Textual)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_UnfundedCommitmentsToExtendCredit', window );">Amount of unfunded commitments to extend credit</a></td>
<td class="nump">426.6<span></span>
</td>
<td class="nump">399.4<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_UnfundedCommitmentsToExtendCreditAtFixedRate', window );">Unfunded commitments to extend credit at fixed rate</a></td>
<td class="nump">105.0<span></span>
</td>
<td class="nump">130.5<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_UnfundedCommitmentsToExtendCreditAtVariableRate', window );">Unfunded commitments to extend credit at variable rate</a></td>
<td class="nump">$ 321.6<span></span>
</td>
<td class="nump">$ 269.0<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_CommitmentUnderLettersOfCredit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Commitment under letters of credit.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_CommitmentUnderLettersOfCredit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_FinancialInstrumentsWithOffBalanceSheetRiskTextualAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_FinancialInstrumentsWithOffBalanceSheetRiskTextualAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_UnfundedCommitmentsToExtendCredit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Unfunded commitments to extend credit.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_UnfundedCommitmentsToExtendCredit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_UnfundedCommitmentsToExtendCreditAtFixedRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Unfunded commitments to extend credit at fixed rate.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_UnfundedCommitmentsToExtendCreditAtFixedRate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_UnfundedCommitmentsToExtendCreditAtVariableRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Unfunded commitments to extend credit at variable rate.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_UnfundedCommitmentsToExtendCreditAtVariableRate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=us-gaap_CommitmentsToExtendCreditMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_CommitmentsToExtendCreditMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>62
<FILENAME>R108.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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</head>
<body>
<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6920401936">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Stock-Based Compensation (Details 2) - Employee Stock Option [Member]<br></strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2019</div></th>
<th class="th"><div>Dec. 31, 2018</div></th>
<th class="th"><div>Dec. 31, 2017</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems', window );"><strong>Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate', window );">Dividend yield</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1', window );">Expected life</a></td>
<td class="text">7 years<span></span>
</td>
<td class="text">7 years<span></span>
</td>
<td class="text">7 years<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate', window );">Expected volatility</a></td>
<td class="nump">28.21%<span></span>
</td>
<td class="nump">32.07%<span></span>
</td>
<td class="nump">34.63%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate', window );">Risk-free interest rate</a></td>
<td class="nump">2.59%<span></span>
</td>
<td class="nump">2.50%<span></span>
</td>
<td class="nump">2.04%<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The estimated dividend rate (a percentage of the share price) to be paid (expected dividends) to holders of the underlying shares over the option's term.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (f)(2)(iii)<br> -URI http://asc.fasb.org/extlink&amp;oid=116856206&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The estimated measure of the percentage by which a share price is expected to fluctuate during a period. Volatility also may be defined as a probability-weighted measure of the dispersion of returns about the mean. The volatility of a share price is the standard deviation of the continuously compounded rates of return on the share over a specified period. That is the same as the standard deviation of the differences in the natural logarithms of the stock prices plus dividends, if any, over the period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (f)(2)(ii)<br> -URI http://asc.fasb.org/extlink&amp;oid=116856206&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The risk-free interest rate assumption that is used in valuing an option on its own shares.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (f)(2)(iv)<br> -URI http://asc.fasb.org/extlink&amp;oid=116856206&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Expected term of award under share-based payment arrangement, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents reported fact of one year, five months, and thirteen days.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (f)(2)(i)<br> -URI http://asc.fasb.org/extlink&amp;oid=116856206&amp;loc=d3e5070-113901<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB Topic 14.D.2)<br> -URI http://asc.fasb.org/extlink&amp;oid=115993241&amp;loc=d3e301413-122809<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AwardTypeAxis=us-gaap_EmployeeStockOptionMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AwardTypeAxis=us-gaap_EmployeeStockOptionMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>63
<FILENAME>R33.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6811742192">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Selected Condensed Quarterly Financial Data (Unaudited)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2019</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_QuarterlyFinancialInformationDisclosureAbstract', window );"><strong>Quarterly Financial Information Disclosure [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_QuarterlyFinancialInformationTextBlock', window );">Selected Condensed Quarterly Financial Data (Unaudited)</a></td>
<td class="text"><div><p style="text-align: justify"><b><font style="font: x-small Arial">NOTE 26 &#8211; Selected Condensed Quarterly Financial Data (Unaudited)</font></b></p>

<div align="left">

<table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse">

<tr style="vertical-align: bottom">
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 91%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="8" style="border-bottom: Black 1pt solid; width: 8%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2019</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 91%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="8" style="border-bottom: Black 1pt solid; width: 8%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">For the quarters ended</font></b></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; width: 91%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">(dollars in thousands, except share data)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial"></font></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">March 31</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">June 30</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">September 30</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">December 31</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 91%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Interest income</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">21,612</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">23,088</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">24,056</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">23,896</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; width: 91%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Interest expense</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">5,794</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">6,549</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">6,777</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">6,263</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 91%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Net interest income</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">15,818</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">16,539</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">17,279</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">17,633</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 91%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Provision for loan losses</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">300</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">300</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">650</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,050</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 91%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Noninterest income</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,994</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4,090</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4,396</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3,503</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; width: 91%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Noninterest expenses</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">10,648</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">11,368</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">11,484</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">10,973</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 91%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Income before income tax expense</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,864</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">8,961</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">9,541</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">9,113</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; width: 91%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Income tax expense</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,855</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,722</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,129</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,915</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 91%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Net income available to common shareholders</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">6,009</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,239</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,412</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,198</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 91%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Earnings per common share</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 91%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Basic</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">0.81</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">0.97</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">0.98</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">0.94</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 91%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Diluted</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">0.78</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">0.93</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">0.95</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">0.92</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 91%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Weighted average common shares outstanding</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 91%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Basic</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,459,342</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,495,508</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,548,184</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,608,241</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1.5pt solid; padding-left: 15pt; width: 91%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Diluted</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,741,860</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,756,044</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,780,504</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,810,922</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 91%; white-space: nowrap; text-align: left">&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 91%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="8" style="border-bottom: Black 1pt solid; width: 8%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2018</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 91%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="8" style="border-bottom: Black 1pt solid; width: 8%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">For the quarters ended</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 91%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">March 31</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">June 30</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">September 30</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">December 31</font></b></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 91%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Interest income</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">17,178</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">18,535</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">19,865</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">21,079</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 91%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Interest expense</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3,136</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3,923</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4,364</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">5,082</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 91%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Net interest income</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">14,042</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">14,612</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">15,501</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">15,997</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 91%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Provision for loan losses</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">500</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">400</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">400</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">600</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 91%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Noninterest income</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,420</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,771</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,533</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,477</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 91%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Noninterest expenses</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">9,205</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">9,979</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">10,188</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">10,391</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 91%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Income before income tax expense</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">6,757</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,004</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,446</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,483</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 91%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Income tax expense</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,543</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,494</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,664</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,700</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; width: 91%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Net income available to common shareholders</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">5,214</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">5,510</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">5,782</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">5,783</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 91%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Earnings per common share</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 91%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Basic</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">0.71</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">0.75</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">0.78</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">0.78</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 91%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Diluted</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">0.67</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">0.71</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">0.75</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">0.75</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 91%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Weighted average common shares outstanding</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 91%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Basic</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,336,839</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,370,709</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,400,174</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,427,902</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1.5pt solid; padding-left: 15pt; width: 91%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Diluted</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,726,885</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,751,146</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,746,205</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,725,661</font></td></tr></table></div></div><span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_QuarterlyFinancialInformationDisclosureAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_QuarterlyFinancialInformationDisclosureAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_QuarterlyFinancialInformationTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for quarterly financial data. Includes, but is not limited to, tabular presentation of financial information for fiscal quarters, effect of year-end adjustments, and an explanation of matters or transactions that affect comparability of the information.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 270<br> -URI http://asc.fasb.org/topic&amp;trid=2126967<br></p></div>
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6931173840">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Troubled Debt Restructurings (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2019</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_TroubledDebtRestructuringsAbstract', window );"><strong>Troubled Debt Restructurings [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock', window );">Summary of concession at the time of modification and the recorded investment in our TDRs before and after their modificatioN</a></td>
<td class="text"><div><p style="text-align: justify"><font style="font: x-small Arial">The following table summarizes the concession at the time of modification and the recorded investment in our TDRs before and after their modification.</font></p>

<table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse">



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   <td style="border-top: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

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   <td style="border-top: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td colspan="7" style="border-top: Black 1.5pt solid; width: 10%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">&#160;</font></b></td></tr>

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   <td style="width: 77%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td colspan="15" style="border-bottom: Black 1pt solid; width: 22%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b><b><font style="font: xx-small Arial">For the year ended December 31, 2019</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 77%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td colspan="2" style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Pre-</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td colspan="2" style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Post-</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 77%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none">&#160;&#160;&#160;&#160; </td>

   <td colspan="2" style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">modification</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none">&#160;&#160;&#160;&#160; </td>

   <td colspan="2" style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">modification</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 77%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none">&#160;&#160;&#160;&#160; </td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Renewals</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none">&#160;&#160;&#160;&#160; </td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Reduced</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none">&#160;&#160;&#160;&#160; </td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Converted</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Maturity</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none">&#160;&#160;&#160;&#160; </td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Total</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td colspan="2" style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">outstanding</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td colspan="2" style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">outstanding</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 77%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">deemed a</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">or deferred</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">to interest</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none">&#160;&#160;&#160;&#160; </td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">date</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">number</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td colspan="2" style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">recorded</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td colspan="2" style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">recorded</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 77%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">(dollars in thousands)</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">concession</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">payments</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">only</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">extensions</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">of loans</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">investment</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Investment</font></b></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 77%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial">Commercial</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 77%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Business</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;&#160;&#160;&#160; $</font></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,823</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,823</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1.5pt solid; padding-left: 30pt; width: 77%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total loans</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,823</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;&#160;&#160;&#160;&#160;$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,823</font></td></tr>

<tr>

   <td colspan="17" style="width: 100%">&#160; </td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 77%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td colspan="15" style="border-bottom: Black 1pt solid; width: 22%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b><b><font style="font: xx-small Arial">For the year ended December 31, 2018</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 77%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td colspan="2" style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Pre-</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td colspan="2" style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Post-</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 77%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td colspan="2" style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">modification</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td colspan="2" style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">modification</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 77%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Renewals</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Reduced</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Converted</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Maturity</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Total</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td colspan="2" style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">outstanding</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td colspan="2" style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">outstanding</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 77%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">deemed a</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">or deferred</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">to interest</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">date</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">number</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td colspan="2" style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">recorded</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td colspan="2" style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">recorded</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 77%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">concession</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">payments</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">only</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">extensions</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">of loans</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">investment</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Investment</font></b></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 77%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial">Commercial</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 77%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Owner occupied RE</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">506</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">592</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 77%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Non-owner occupied RE</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,287</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,287</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 77%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Business</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,207</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,532</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 77%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial">Consumer</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 77%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Real estate</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">549</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">669</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1.5pt solid; padding-left: 30pt; width: 77%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total loans</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">8</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3,549</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4,080</font></td></tr></table></div><span></span>
</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_TroubledDebtRestructuringsAbstract">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of financing receivable modified as troubled debt restructuring.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 33<br> -URI http://asc.fasb.org/extlink&amp;oid=118936363&amp;loc=SL6953676-111524<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 34<br> -URI http://asc.fasb.org/extlink&amp;oid=118936363&amp;loc=SL6953682-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<td style="white-space:nowrap;">us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock</td>
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6921163280">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Subordinated Debentures<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2019</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_JuniorSubordinatedDebenturesAbstract', window );"><strong>Junior Subordinated Debentures [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_JuniorSubordinatedDebenturesTextBlock', window );">Subordinated Debentures</a></td>
<td class="text"><div><p style="text-align: left"><b><font style="font: x-small Arial">NOTE 11 &#8211; Subordinated Debentures</font></b></p>
<p style="text-align: justify"><font style="font: x-small Arial">On June 26, 2003, Greenville First Statutory Trust I (a non-consolidated subsidiary) issued $6.0 million floating rate trust preferred securities with a maturity of June 26, 2033. At December 31, 2019, the interest rate was 5.05% and is indexed to the 3-month LIBOR rate plus 3.10% and adjusted quarterly. The Company received from the Trust the $6.0 million proceeds from the issuance of the securities and the $186,000 initial proceeds from the capital investment in the Trust, and accordingly has shown the funds due to the Trust as $6.2 million junior subordinated debentures.</font></p>
<p style="text-align: justify"><font style="font: x-small Arial">On December 22, 2005, Greenville First Statutory Trust II (a non-consolidated subsidiary) issued $7.0 million floating rate trust preferred securities with a maturity of December 22, 2035. At December 31, 2019, the interest rate was 3.40% and is indexed to the 3-month LIBOR rate plus 1.44% and adjusted quarterly. The Company received from the Trust the $7.0 million proceeds from the issuance of the securities and the $217,000 initial proceeds from the capital investment in the Trust, and accordingly has shown the funds due to the Trust as $7.2 million junior subordinated debentures.</font></p>
<p style="text-align: justify"><font style="font: x-small Arial">The current regulatory rules allow certain
amounts of junior subordinated debentures to be included in the calculation of regulatory capital. However, provisions within
the Dodd-Frank Act prohibit institutions that had more than $15 billion in assets on December 31, 2009 from including trust preferred
securities as Tier 1 capital beginning in 2013, with one-third phased out over the two years ending in 2015. Financial institutions
with less than $15 billion in total assets, such as the Bank, may continue to include their trust preferred securities issued
prior to May 19, 2010 in Tier 1 capital, but cannot include in Tier 1 capital trust preferred securities issued after such date.</font></p>


<p style="text-align: justify"><font style="font: x-small Arial">On September 30, 2019, the Company entered into Subordinated Note Purchase Agreements (collectively, the &#8220;Purchase Agreement&#8221;) with certain qualified institutional buyers and accredited investors (the &#8220;Purchasers&#8221;) pursuant to which the Company sold and issued $23.0 million in aggregate principal amount of its 4.75% Fixed-to-Floating Rate Subordinated Notes due 2029 (the &#8220;Notes&#8221;). The Notes were offered and sold by the Company to eligible purchasers in a private offering in reliance on the exemption from the registration requirements of Section 4(a)(2) of the Securities Act of 1933, as amended (the &#8220;Securities Act&#8221;) and the provisions of Regulation D promulgated thereunder (the &#8220;Private Placement&#8221;). The Company intends to use the proceeds from the offering, which were approximately $22.5 million, for general corporate purposes, including providing capital to the Bank and supporting organic growth.</font></p>
<p style="text-align: justify"><font style="font: x-small Arial">The Notes have a ten-year term and, from and including the date of issuance to but excluding September 30, 2024, will bear interest at a fixed annual rate of 4.75%, payable semi-annually in arrears, for the first five years of the term. From and including September 30, 2024 to but excluding the maturity date or early redemption date, the interest rate shall reset quarterly to an interest rate per annum equal to a benchmark rate (which is expected to be Three-Month Term SOFR) plus 340.8 basis points, payable quarterly in arrears. As provided in the Notes, the interest rate on the Notes during the applicable floating rate period may be determined based on a rate other than Three-Month Term SOFR.</font></p>
<p style="text-align: justify"><font style="font: x-small Arial">The Notes are redeemable, in whole or in part, on September 30, 2024, on any interest payment date thereafter, and at any time upon the occurrence of certain events. The Purchase Agreement contains certain customary representations, warranties and covenants made by the Company, on the one hand, and the Purchasers, severally and not jointly, on the other hand.</font></p>
<p style="text-align: justify"><font style="font: x-small Arial">On September 30, 2019, in connection with the sale and issuance of the Notes, the Company entered into a Registration Rights Agreement (the &#8220;Registration Rights Agreement&#8221;) with the Purchasers. Under the terms of the Registration Rights Agreement, the Company has agreed to take certain actions to provide for the exchange of the Notes for subordinated notes that are registered under the Securities Act and have substantially the same terms as the Notes (the &#8220;Exchange Notes&#8221;). Under certain circumstances, if the Company fails to meet its obligations under the Registration Rights Agreement, it would be required to pay additional interest to the holders of the Notes.</font></p>
<p style="text-align: justify"><font style="font: x-small Arial">The Notes were issued under an Indenture, dated September 30, 2019 (the &#8220;Indenture&#8221;), by and between the Company and UMB Bank, National Association, as trustee. The Notes are not subject to any sinking fund and are not convertible into or, other than with respect to the Exchange Notes, exchangeable for any other securities or assets of the Company or any of its subsidiaries. The Notes are not subject to redemption at the option of the holder. The Notes are unsecured, subordinated obligations of the Company only and are not obligations of, and are not guaranteed by, any subsidiary of the Company. The Notes rank junior in right to payment to the Company&#8217;s current and future senior indebtedness. The Notes are intended to qualify as Tier 2 capital for regulatory capital purposes for the Company.</font></p></div><span></span>
</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for junior subordinated debentures.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6918965040">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Selected Condensed Quarterly Financial Data (Unaudited) (Details) - USD ($)<br> $ / shares in Units, $ in Thousands</strong></div></th>
<th class="th" colspan="8">3 Months Ended</th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2019</div></th>
<th class="th"><div>Sep. 30, 2019</div></th>
<th class="th"><div>Jun. 30, 2019</div></th>
<th class="th"><div>Mar. 31, 2019</div></th>
<th class="th"><div>Dec. 31, 2018</div></th>
<th class="th"><div>Sep. 30, 2018</div></th>
<th class="th"><div>Jun. 30, 2018</div></th>
<th class="th"><div>Mar. 31, 2018</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
<th class="th"><div>Dec. 31, 2018</div></th>
<th class="th"><div>Dec. 31, 2017</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SelectedQuarterlyFinancialInformationAbstract', window );"><strong>Summary of selected quarterly financial information</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestAndDividendIncomeOperating', window );">Interest income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 92,652<span></span>
</td>
<td class="nump">$ 76,657<span></span>
</td>
<td class="nump">$ 61,209<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpense', window );">Interest expense</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">25,383<span></span>
</td>
<td class="nump">16,505<span></span>
</td>
<td class="nump">10,333<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestIncomeExpenseNet', window );">Net interest income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">67,269<span></span>
</td>
<td class="nump">60,152<span></span>
</td>
<td class="nump">50,876<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses', window );">Provision for loan losses</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2,300<span></span>
</td>
<td class="nump">1,900<span></span>
</td>
<td class="nump">2,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestIncome', window );">Noninterest income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">14,983<span></span>
</td>
<td class="nump">10,201<span></span>
</td>
<td class="nump">9,337<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestExpense', window );">Noninterest expenses</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">44,473<span></span>
</td>
<td class="nump">39,763<span></span>
</td>
<td class="nump">34,552<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest', window );">Income before income tax expense</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">35,479<span></span>
</td>
<td class="nump">28,690<span></span>
</td>
<td class="nump">23,661<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Income tax expense</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">7,621<span></span>
</td>
<td class="nump">6,401<span></span>
</td>
<td class="nump">10,616<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income available to common shareholders</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 27,858<span></span>
</td>
<td class="nump">$ 22,289<span></span>
</td>
<td class="nump">$ 13,045<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareAbstract', window );"><strong>Earnings per common share</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareBasic', window );">Basic</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 3.70<span></span>
</td>
<td class="nump">$ 3.02<span></span>
</td>
<td class="nump">$ 1.86<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareDiluted', window );">Diluted</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 3.58<span></span>
</td>
<td class="nump">$ 2.88<span></span>
</td>
<td class="nump">$ 1.76<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_WeightedAverageNumberOfSharesOutstandingAbstract', window );"><strong>Weighted average common shares outstanding</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic', window );">Basic</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">7,528,283<span></span>
</td>
<td class="nump">7,384,200<span></span>
</td>
<td class="nump">7,005,703<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding', window );">Diluted</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">7,772,544<span></span>
</td>
<td class="nump">7,737,495<span></span>
</td>
<td class="nump">7,393,377<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EffectOfFourthQuarterEventsByTypeAxis=sfst_QuarterlyFinancialInformationMember', window );">Quarterly Financial Information [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SelectedQuarterlyFinancialInformationAbstract', window );"><strong>Summary of selected quarterly financial information</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestAndDividendIncomeOperating', window );">Interest income</a></td>
<td class="nump">$ 23,896<span></span>
</td>
<td class="nump">$ 24,056<span></span>
</td>
<td class="nump">$ 23,088<span></span>
</td>
<td class="nump">$ 21,612<span></span>
</td>
<td class="nump">$ 21,079<span></span>
</td>
<td class="nump">$ 19,865<span></span>
</td>
<td class="nump">$ 18,535<span></span>
</td>
<td class="nump">$ 17,178<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpense', window );">Interest expense</a></td>
<td class="nump">6,263<span></span>
</td>
<td class="nump">6,777<span></span>
</td>
<td class="nump">6,549<span></span>
</td>
<td class="nump">5,794<span></span>
</td>
<td class="nump">5,082<span></span>
</td>
<td class="nump">4,364<span></span>
</td>
<td class="nump">3,923<span></span>
</td>
<td class="nump">3,136<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestIncomeExpenseNet', window );">Net interest income</a></td>
<td class="nump">17,633<span></span>
</td>
<td class="nump">17,279<span></span>
</td>
<td class="nump">16,539<span></span>
</td>
<td class="nump">15,818<span></span>
</td>
<td class="nump">15,997<span></span>
</td>
<td class="nump">15,501<span></span>
</td>
<td class="nump">14,612<span></span>
</td>
<td class="nump">14,042<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses', window );">Provision for loan losses</a></td>
<td class="nump">1,050<span></span>
</td>
<td class="nump">650<span></span>
</td>
<td class="nump">300<span></span>
</td>
<td class="nump">300<span></span>
</td>
<td class="nump">600<span></span>
</td>
<td class="nump">400<span></span>
</td>
<td class="nump">400<span></span>
</td>
<td class="nump">500<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestIncome', window );">Noninterest income</a></td>
<td class="nump">3,503<span></span>
</td>
<td class="nump">4,396<span></span>
</td>
<td class="nump">4,090<span></span>
</td>
<td class="nump">2,994<span></span>
</td>
<td class="nump">2,477<span></span>
</td>
<td class="nump">2,533<span></span>
</td>
<td class="nump">2,771<span></span>
</td>
<td class="nump">2,420<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestExpense', window );">Noninterest expenses</a></td>
<td class="nump">10,973<span></span>
</td>
<td class="nump">11,484<span></span>
</td>
<td class="nump">11,368<span></span>
</td>
<td class="nump">10,648<span></span>
</td>
<td class="nump">10,391<span></span>
</td>
<td class="nump">10,188<span></span>
</td>
<td class="nump">9,979<span></span>
</td>
<td class="nump">9,205<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest', window );">Income before income tax expense</a></td>
<td class="nump">9,113<span></span>
</td>
<td class="nump">9,541<span></span>
</td>
<td class="nump">8,961<span></span>
</td>
<td class="nump">7,864<span></span>
</td>
<td class="nump">7,483<span></span>
</td>
<td class="nump">7,446<span></span>
</td>
<td class="nump">7,004<span></span>
</td>
<td class="nump">6,757<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Income tax expense</a></td>
<td class="nump">1,915<span></span>
</td>
<td class="nump">2,129<span></span>
</td>
<td class="nump">1,722<span></span>
</td>
<td class="nump">1,855<span></span>
</td>
<td class="nump">1,700<span></span>
</td>
<td class="nump">1,664<span></span>
</td>
<td class="nump">1,494<span></span>
</td>
<td class="nump">1,543<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income available to common shareholders</a></td>
<td class="nump">$ 7,198<span></span>
</td>
<td class="nump">$ 7,412<span></span>
</td>
<td class="nump">$ 7,239<span></span>
</td>
<td class="nump">$ 6,009<span></span>
</td>
<td class="nump">$ 5,783<span></span>
</td>
<td class="nump">$ 5,782<span></span>
</td>
<td class="nump">$ 5,510<span></span>
</td>
<td class="nump">$ 5,214<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareAbstract', window );"><strong>Earnings per common share</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareBasic', window );">Basic</a></td>
<td class="nump">$ 0.94<span></span>
</td>
<td class="nump">$ 0.98<span></span>
</td>
<td class="nump">$ 0.97<span></span>
</td>
<td class="nump">$ 0.81<span></span>
</td>
<td class="nump">$ 0.78<span></span>
</td>
<td class="nump">$ 0.78<span></span>
</td>
<td class="nump">$ 0.75<span></span>
</td>
<td class="nump">$ 0.71<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareDiluted', window );">Diluted</a></td>
<td class="nump">$ 0.92<span></span>
</td>
<td class="nump">$ 0.95<span></span>
</td>
<td class="nump">$ 0.93<span></span>
</td>
<td class="nump">$ 0.78<span></span>
</td>
<td class="nump">$ 0.75<span></span>
</td>
<td class="nump">$ 0.75<span></span>
</td>
<td class="nump">$ 0.71<span></span>
</td>
<td class="nump">$ 0.67<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_WeightedAverageNumberOfSharesOutstandingAbstract', window );"><strong>Weighted average common shares outstanding</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic', window );">Basic</a></td>
<td class="nump">7,608,241<span></span>
</td>
<td class="nump">7,548,184<span></span>
</td>
<td class="nump">7,495,508<span></span>
</td>
<td class="nump">7,459,342<span></span>
</td>
<td class="nump">7,427,902<span></span>
</td>
<td class="nump">7,400,174<span></span>
</td>
<td class="nump">7,370,709<span></span>
</td>
<td class="nump">7,336,839<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding', window );">Diluted</a></td>
<td class="nump">7,810,922<span></span>
</td>
<td class="nump">7,780,504<span></span>
</td>
<td class="nump">7,756,044<span></span>
</td>
<td class="nump">7,741,860<span></span>
</td>
<td class="nump">7,725,661<span></span>
</td>
<td class="nump">7,746,205<span></span>
</td>
<td class="nump">7,751,146<span></span>
</td>
<td class="nump">7,726,885<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EarningsPerShareAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareBasic">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of net income (loss) for the period per each share of common stock or unit outstanding during the reporting period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(19))<br> -URI http://asc.fasb.org/extlink&amp;oid=116637232&amp;loc=SL114874131-224263<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 7<br> -URI http://asc.fasb.org/extlink&amp;oid=117326831&amp;loc=d3e1337-109256<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 55<br> -Paragraph 52<br> -URI http://asc.fasb.org/extlink&amp;oid=117327953&amp;loc=d3e4984-109258<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(21))<br> -URI http://asc.fasb.org/extlink&amp;oid=116634182&amp;loc=SL114868664-224227<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=109234566&amp;loc=d3e22694-107794<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=117326831&amp;loc=d3e1252-109256<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(23))<br> -URI http://asc.fasb.org/extlink&amp;oid=116637391&amp;loc=SL114874048-224260<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 60B<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=117326831&amp;loc=SL5780133-109256<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EarningsPerShareBasic</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareDiluted">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 55<br> -Paragraph 52<br> -URI http://asc.fasb.org/extlink&amp;oid=117327953&amp;loc=d3e4984-109258<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=117326831&amp;loc=d3e1252-109256<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(23))<br> -URI http://asc.fasb.org/extlink&amp;oid=116637391&amp;loc=SL114874048-224260<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=109234566&amp;loc=d3e22694-107794<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 7<br> -URI http://asc.fasb.org/extlink&amp;oid=117326831&amp;loc=d3e1337-109256<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(21))<br> -URI http://asc.fasb.org/extlink&amp;oid=116634182&amp;loc=SL114868664-224227<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 60B<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=117326831&amp;loc=SL5780133-109256<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(19))<br> -URI http://asc.fasb.org/extlink&amp;oid=116637232&amp;loc=SL114874131-224263<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EarningsPerShareDiluted</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of income (loss) from continuing operations, including income (loss) from equity method investments, before deduction of income tax expense (benefit), and income (loss) attributable to noncontrolling interest.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 940<br> -SubTopic 20<br> -Section 25<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=68072869&amp;loc=d3e41242-110953<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(10))<br> -URI http://asc.fasb.org/extlink&amp;oid=116634182&amp;loc=SL114868664-224227<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(8))<br> -URI http://asc.fasb.org/extlink&amp;oid=116637232&amp;loc=SL114874131-224263<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=109234566&amp;loc=d3e22694-107794<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(15))<br> -URI http://asc.fasb.org/extlink&amp;oid=116637391&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxExpenseBenefit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 22<br> -Subparagraph (h)<br> -URI http://asc.fasb.org/extlink&amp;oid=115929826&amp;loc=d3e8736-108599<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(h))<br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 20<br> -Section 45<br> -Paragraph 2<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=109238882&amp;loc=d3e38679-109324<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeTaxExpenseBenefit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestAndDividendIncomeOperating">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.1-5)<br> -URI http://asc.fasb.org/extlink&amp;oid=116637391&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestAndDividendIncomeOperating</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of the cost of borrowed funds accounted for as interest expense.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 835<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=6450988&amp;loc=d3e26243-108391<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 835<br> -SubTopic 30<br> -Section 45<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=114775744&amp;loc=d3e28555-108399<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 22<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=115929826&amp;loc=d3e8736-108599<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (210.5-03(11))<br> -URI http://asc.fasb.org/extlink&amp;oid=116634182&amp;loc=SL114868664-224227<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.9)<br> -URI http://asc.fasb.org/extlink&amp;oid=116637391&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestIncomeExpenseNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The net amount of operating interest income (expense).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.10)<br> -URI http://asc.fasb.org/extlink&amp;oid=116637391&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestIncomeExpenseNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Total aggregate amount of all noninterest expense.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.14)<br> -URI http://asc.fasb.org/extlink&amp;oid=116637391&amp;loc=SL114874048-224260<br></p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.13)<br> -URI http://asc.fasb.org/extlink&amp;oid=116637391&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (c)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=118936363&amp;loc=SL6953423-111524<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.11)<br> -URI http://asc.fasb.org/extlink&amp;oid=116637391&amp;loc=SL114874048-224260<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=118932676&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 16<br> -URI http://asc.fasb.org/extlink&amp;oid=117326831&amp;loc=d3e1505-109256<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 10<br> -URI http://asc.fasb.org/extlink&amp;oid=117326831&amp;loc=d3e1448-109256<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6920383200">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Leases<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2019</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LeasesAbstract', window );"><strong>Leases [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LesseeOperatingLeasesTextBlock', window );">Leases</a></td>
<td class="text"><div><p style="text-align: left"><b><font style="font: x-small Arial">NOTE 7 &#8211; Leases</font></b></p>
<p style="text-align: justify"><font style="font: x-small Arial">Effective January 1, 2019, the Company adopted ASU 2016-02, &#8220;Leases (Topic 842)&#8221;. As of December 31, 2019, we lease seven of our offices under various operating lease agreements. The lease agreements have maturity dates ranging from February 2022 to October 2029, some of which include options for multiple five-year extensions. The weighted average remaining life of the lease term for these leases was 7.97 years as of December 31, 2019.</font></p>
<p style="text-align: justify"><font style="font: x-small Arial">The discount rate used in determining the lease liability for each individual lease was the FHLB fixed advance rate which corresponded with the remaining lease term as of January 1, 2019 for leases that existed at adoption and as of the lease commencement date for leases subsequently entered in to. The weighted average discount rate for leases was 2.86% as of December 31, 2019.</font></p>
<p style="text-align: justify"><font style="font: x-small Arial">Total operating lease costs were $2.2 million
and $1.8 million for the years ended December 31, 2019 and 2018, respectively. The right-of-use asset, included in property and
equipment, and lease liabilities, included in other liabilities, were $19.5 million and $20.1 million as of December 31, 2019,
respectively. The right-of-use asset and lease liability are recognized at lease commencement by calculating the present value
of lease payments over the lease term.</font></p>


<p style="text-align: left"><font style="font: x-small Arial">Maturities of lease liabilities as of December 31, 2019 were as follows:</font></p>
<table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse">

<tr style="vertical-align: bottom">
   <td style="width: 97%; white-space: nowrap; text-align: left; border-top: #000000 1.5pt solid"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-top: #000000 1.5pt solid"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-top: #000000 1.5pt solid"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-top: #000000 1.5pt solid">&#160;</td></tr>
<tr style="vertical-align: bottom">
   <td style="width: 97%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid"><font style="font: xx-small Arial">(dollars in thousands)</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid">&#160;&#160;&#160;&#160;&#160;</td>
   <td colspan="2" style="width: 2%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"><b><font style="font: xx-small Arial">Operating<br />Leases</font></b></td></tr>
<tr style="vertical-align: bottom; background-color: Silver">
   <td style="width: 97%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">2020</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,103</font></td></tr>
<tr style="vertical-align: bottom">
   <td style="width: 97%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">2021</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,152</font></td></tr>
<tr style="vertical-align: bottom; background-color: Silver">
   <td style="width: 97%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">2022</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,400</font></td></tr>
<tr style="vertical-align: bottom">
   <td style="width: 97%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">2023</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,273</font></td></tr>
<tr style="vertical-align: bottom; background-color: Silver">
   <td style="width: 97%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">2024</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,305</font></td></tr>
<tr style="vertical-align: bottom">
   <td style="width: 97%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid"><font style="font: x-small Arial">Thereafter</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"><font style="font: x-small Arial">17,404</font></td></tr>
<tr style="vertical-align: bottom; background-color: Silver">
   <td style="width: 97%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Total undiscounted lease payments</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">25,637</font></td></tr>
<tr style="vertical-align: bottom">
   <td style="width: 97%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid"><font style="font: x-small Arial">Discount effect of cash flows</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"><font style="font: x-small Arial">5,549</font></td></tr>
<tr style="vertical-align: bottom; background-color: Silver">
   <td style="border-bottom: #000000 1.5pt solid; padding-left: 15pt; width: 97%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total lease liability</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1.5pt solid"><font style="font: x-small Arial"></font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1.5pt solid"><font style="font: x-small Arial">$</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1.5pt solid"><font style="font: x-small Arial">20,088</font></td></tr></table></div><span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LeasesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LeasesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LesseeOperatingLeasesTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for operating leases of lessee. Includes, but is not limited to, description of operating lease and maturity analysis of operating lease liability.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 842<br> -SubTopic 20<br> -URI http://asc.fasb.org/subtopic&amp;trid=77888251<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LesseeOperatingLeasesTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>nonnum:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
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<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6920496176">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Mortgage Loans Held for Sale<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2019</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_MortgageLoansHeldForSaleAbstract', window );"><strong>Mortgage Loans Held for Sale [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_MortgageLoansHeldForSaleTextBlock', window );">Mortgage Loans Held for Sale</a></td>
<td class="text"><div><p style="text-align: justify"><b><font style="font: x-small Arial">NOTE 3 &#8211; Mortgage Loans Held for Sale</font></b></p>

<p style="text-align: justify"><font style="font: x-small Arial">Mortgage loans originated and intended for sale in the secondary market are reported as loans held for sale and carried at fair value under the fair value option with changes in fair value recognized in current period earnings. Loans held for sale include mortgage loans which are saleable into the secondary mortgage markets and their fair values are estimated using observable quoted market or contracted prices or market price equivalents, which would be used by other market participants. At the date of funding of the mortgage loan held for sale, the funded amount of the loan, the related derivative asset or liability of the associated interest rate lock commitment, less direct loan costs becomes the initial recorded investment in the loan held for sale. Such amount approximates the fair value of the loan. At December 31, 2019, mortgage loans held for sale totaled $27.0 million compared to $9.2 million at December 31, 2018.</font></p>

<p style="text-align: justify"><font style="font: x-small Arial">Mortgage loans held for sale are considered
de-recognized, or sold, when the Company surrenders control over the financial assets. Control is considered to have been surrendered
when the transferred assets have been isolated from the Company, beyond the reach of the Company and its creditors; the purchaser
obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred
assets; and the Company does not maintain effective control over the transferred assets through an agreement that both entitles
and obligates the Company to repurchase or redeem the transferred assets before their maturity or the ability to unilaterally
cause the holder to return specific assets.</font></p>





<p style="text-align: justify"><font style="font: x-small Arial">Gains and losses from the sale of mortgage loans are recognized based upon the difference between the sales proceeds and carrying value of the related loans upon sale and are recorded in mortgage banking income in the statement of income. Mortgage banking income also includes the unrealized gains and losses associated with the loans held for sale and the realized and unrealized gains and losses from derivatives.</font></p>

<p style="text-align: justify"><font style="font: x-small Arial">Mortgage loans sold to investors by the Company, and which were believed to have met investor and agency underwriting guidelines at the time of sale, may be subject to repurchase or indemnification in the event of specific default by the borrower or subsequent discovery that underwriting standards were not met. The Company may, upon mutual agreement, agree to repurchase the loans or indemnify the investor against future losses on such loans. In such cases, the Company bears any subsequent credit loss on the loans. As appropriate, the Company establishes mortgage repurchase reserves related to various representations and warranties that reflect management&#8217;s estimate of losses.</font></p></div><span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_MortgageLoansHeldForSaleAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_MortgageLoansHeldForSaleAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_MortgageLoansHeldForSaleTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for mortgage loans held for sale.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_MortgageLoansHeldForSaleTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>nonnum:textBlockItemType</td>
</tr>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
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</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>70
<FILENAME>R111.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
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<body>
<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6914444816">
<tr>
<th class="tl" colspan="2" rowspan="1"><div style="width: 200px;"><strong>Regulatory Matters (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
<th class="th"><div>Dec. 31, 2018</div></th>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_LegalEntityAxis=sfst_BankMember', window );">Bank [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_SummaryOfCapitalAmountsAndRatiosOfBankAndCompanyAndRegulatoryMinimumRequirementsAbstract', window );"><strong>Summary of capital amounts and ratios of the Bank and the Company and the regulatory minimum requirements</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Capital', window );">Total Capital (to risk weighted assets) Actual</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">$ 250,847<span></span>
</td>
<td class="nump">$ 198,195<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CapitalToRiskWeightedAssets', window );">Total Capital (to risk weighted assets) Actual, Ratio</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">13.31%<span></span>
</td>
<td class="nump">12.16%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CapitalRequiredForCapitalAdequacy', window );">Total Capital (to risk weighted assets) For capital adequacy purposes minimum</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">$ 150,807<span></span>
</td>
<td class="nump">$ 130,368<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets', window );">Total Capital (to risk weighted assets) For capital adequacy purposes minimum, Ratio</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">8.00%<span></span>
</td>
<td class="nump">8.00%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CapitalRequiredToBeWellCapitalized', window );">Total Capital (to risk weighted assets) To be well capitalized under prompt corrective action provisions minimum</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">$ 188,510<span></span>
</td>
<td class="nump">$ 162,960<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets', window );">Total Capital (to risk weighted assets) To be well capitalized under prompt corrective action provisions minimum, Ratio</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">10.00%<span></span>
</td>
<td class="nump">10.00%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapital', window );">Tier 1 Capital (to risk weighted assets) Actual</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">$ 234,205<span></span>
</td>
<td class="nump">$ 182,433<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets', window );">Tier 1 Capital (to risk weighted assets) Actual, Ratio</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">12.42%<span></span>
</td>
<td class="nump">11.20%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy', window );">Tier 1 Capital (to risk weighted assets) For capital adequacy purposes minimum</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">$ 113,106<span></span>
</td>
<td class="nump">$ 97,776<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets', window );">Tier 1 Capital (to risk weighted assets) For capital adequacy purposes minimum, Ratio</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">6.00%<span></span>
</td>
<td class="nump">6.00%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized', window );">Tier 1 Capital (to risk weighted assets) To be well capitalized under prompt corrective action provisions minimum</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">$ 150,807<span></span>
</td>
<td class="nump">$ 130,368<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets', window );">Tier 1 Capital (to risk weighted assets) To be well capitalized under prompt corrective action provisions minimum, Ratio</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">8.00%<span></span>
</td>
<td class="nump">8.00%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_TierOneRiskBasedCommonStock', window );">Common Equity Tier 1 Capital (to risk weighted assets) Actual</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">$ 234,205<span></span>
</td>
<td class="nump">$ 182,433<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_TierOneRiskBasedCommonStockToRiskWeightedAssets', window );">Common Equity Tier 1 Capital (to risk weighted assets) Actual, Ratio</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">12.42%<span></span>
</td>
<td class="nump">11.20%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_TierOneRiskBasedCommonStockRequiredForCapitalAdequacy', window );">Common Equity Tier 1 Capital (to risk weighted assets) For capital adequacy purposes minimum</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">$ 84,829<span></span>
</td>
<td class="nump">$ 73,332<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_TierOneRiskBasedCommonStockRequiredForCapitalAdequacyToRiskWeightedAssets', window );">Common Equity Tier 1 Capital (to risk weighted assets) For capital adequacy purposes minimum, Ratio</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">4.50%<span></span>
</td>
<td class="nump">4.50%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_TierOneRiskBasedCommonStockRequiredToBeWellCapitalized', window );">Common Equity Tier 1 Capital (to risk weighted assets) To be well capitalized under prompt corrective action provisions minimum</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">$ 122,531<span></span>
</td>
<td class="nump">$ 105,924<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_TierOneRiskBasedCommonStockRequiredToBeWellCapitalizedToRiskWeightedAssets', window );">Common Equity Tier 1 Capital (to risk weighted assets) To be well capitalized under prompt corrective action provisions minimum, Ratio</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">6.50%<span></span>
</td>
<td class="nump">6.50%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapital', window );">Tier 1 Capital (to average assets) Actual</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">$ 234,205<span></span>
</td>
<td class="nump">$ 182,433<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalToAverageAssets', window );">Tier 1 Capital (to average assets), Actual Ratio</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">10.80%<span></span>
</td>
<td class="nump">9.84%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy', window );">Tier 1 Capital (to average assets) For capital adequacy purposes minimum</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">$ 86,772<span></span>
</td>
<td class="nump">$ 74,126<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets', window );">Tier 1 Capital (to average assets) For capital adequacy purposes minimum, Ratio</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">4.00%<span></span>
</td>
<td class="nump">4.00%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized', window );">Tier 1 Capital (to average assets) To be well capitalized under prompt corrective action provisions minimum</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">$ 108,465<span></span>
</td>
<td class="nump">$ 92,658<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets', window );">Tier 1 Capital (to average assets) To be well capitalized under prompt corrective action provisions minimum, Ratio</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">5.00%<span></span>
</td>
<td class="nump">5.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_LegalEntityAxis=sfst_CompanyMember', window );">Company [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_SummaryOfCapitalAmountsAndRatiosOfBankAndCompanyAndRegulatoryMinimumRequirementsAbstract', window );"><strong>Summary of capital amounts and ratios of the Bank and the Company and the regulatory minimum requirements</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Capital', window );">Total Capital (to risk weighted assets) Actual</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">$ 258,800<span></span>
</td>
<td class="nump">$ 203,595<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CapitalToRiskWeightedAssets', window );">Total Capital (to risk weighted assets) Actual, Ratio</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">13.73%<span></span>
</td>
<td class="nump">12.49%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CapitalRequiredForCapitalAdequacy', window );">Total Capital (to risk weighted assets) For capital adequacy purposes minimum</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">$ 150,807<span></span>
</td>
<td class="nump">$ 130,368<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets', window );">Total Capital (to risk weighted assets) For capital adequacy purposes minimum, Ratio</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">8.00%<span></span>
</td>
<td class="nump">8.00%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CapitalRequiredToBeWellCapitalized', window );">Total Capital (to risk weighted assets) To be well capitalized under prompt corrective action provisions minimum</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets', window );">Total Capital (to risk weighted assets) To be well capitalized under prompt corrective action provisions minimum, Ratio</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapital', window );">Tier 1 Capital (to risk weighted assets) Actual</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">$ 219,158<span></span>
</td>
<td class="nump">$ 187,833<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets', window );">Tier 1 Capital (to risk weighted assets) Actual, Ratio</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">11.63%<span></span>
</td>
<td class="nump">11.53%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy', window );">Tier 1 Capital (to risk weighted assets) For capital adequacy purposes minimum</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">$ 113,106<span></span>
</td>
<td class="nump">$ 97,776<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets', window );">Tier 1 Capital (to risk weighted assets) For capital adequacy purposes minimum, Ratio</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">6.00%<span></span>
</td>
<td class="nump">6.00%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized', window );">Tier 1 Capital (to risk weighted assets) To be well capitalized under prompt corrective action provisions minimum</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets', window );">Tier 1 Capital (to risk weighted assets) To be well capitalized under prompt corrective action provisions minimum, Ratio</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_TierOneRiskBasedCommonStock', window );">Common Equity Tier 1 Capital (to risk weighted assets) Actual</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">$ 206,158<span></span>
</td>
<td class="nump">$ 174,833<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_TierOneRiskBasedCommonStockToRiskWeightedAssets', window );">Common Equity Tier 1 Capital (to risk weighted assets) Actual, Ratio</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">10.94%<span></span>
</td>
<td class="nump">10.73%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_TierOneRiskBasedCommonStockRequiredForCapitalAdequacy', window );">Common Equity Tier 1 Capital (to risk weighted assets) For capital adequacy purposes minimum</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">$ 84,829<span></span>
</td>
<td class="nump">$ 73,332<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_TierOneRiskBasedCommonStockRequiredForCapitalAdequacyToRiskWeightedAssets', window );">Common Equity Tier 1 Capital (to risk weighted assets) For capital adequacy purposes minimum, Ratio</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">4.50%<span></span>
</td>
<td class="nump">4.50%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_TierOneRiskBasedCommonStockRequiredToBeWellCapitalized', window );">Common Equity Tier 1 Capital (to risk weighted assets) To be well capitalized under prompt corrective action provisions minimum</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_TierOneRiskBasedCommonStockRequiredToBeWellCapitalizedToRiskWeightedAssets', window );">Common Equity Tier 1 Capital (to risk weighted assets) To be well capitalized under prompt corrective action provisions minimum, Ratio</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapital', window );">Tier 1 Capital (to average assets) Actual</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">$ 219,158<span></span>
</td>
<td class="nump">$ 187,833<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalToAverageAssets', window );">Tier 1 Capital (to average assets), Actual Ratio</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">10.10%<span></span>
</td>
<td class="nump">10.14%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy', window );">Tier 1 Capital (to average assets) For capital adequacy purposes minimum</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">$ 86,772<span></span>
</td>
<td class="nump">$ 74,126<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets', window );">Tier 1 Capital (to average assets) For capital adequacy purposes minimum, Ratio</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">4.00%<span></span>
</td>
<td class="nump">4.00%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized', window );">Tier 1 Capital (to average assets) To be well capitalized under prompt corrective action provisions minimum</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets', window );">Tier 1 Capital (to average assets) To be well capitalized under prompt corrective action provisions minimum, Ratio</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr><td colspan="3"></td></tr>
<tr><td colspan="3"><table class="outerFootnotes" width="100%"><tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[1]</td>
<td style="vertical-align: top;" valign="top">Under the Federal Reserve's Small Bank Holding Company Policy Statement, the Company is not subject to the minimum capital adequacy and capital conservation buffer capital requirements at the holding company level, unless otherwise advised by the Federal Reserve (such capital requirements are applicable only at the Bank level). Although the minimum regulatory capital requirements are not applicable to the Company, we calculate these ratios for our own planning and monitoring purposes.</td>
</tr></table></td></tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_SummaryOfCapitalAmountsAndRatiosOfBankAndCompanyAndRegulatoryMinimumRequirementsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_SummaryOfCapitalAmountsAndRatiosOfBankAndCompanyAndRegulatoryMinimumRequirementsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_TierOneRiskBasedCommonStock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tier 1 Risk Based Common Stock as defined in the regulations.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_TierOneRiskBasedCommonStock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_TierOneRiskBasedCommonStockRequiredForCapitalAdequacy">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The minimum amount of Tier 1 Risk Based Common Stock required for capital adequacy purposes under the regulatory framework for prompt corrective action.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_TierOneRiskBasedCommonStockRequiredForCapitalAdequacy</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_TierOneRiskBasedCommonStockRequiredForCapitalAdequacyToRiskWeightedAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The minimum Tier One Common Stock Ratio (Tier one common stock divided by risk-weighted assets) required for capital adequacy purposes under the regulatory framework for prompt corrective action.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_TierOneRiskBasedCommonStockRequiredForCapitalAdequacyToRiskWeightedAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_TierOneRiskBasedCommonStockRequiredToBeWellCapitalized">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of Tier 1 Risk Based Common Stock required to be categorized as well capitalized under the regulatory framework for prompt corrective action.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_TierOneRiskBasedCommonStockRequiredToBeWellCapitalized</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_TierOneRiskBasedCommonStockRequiredToBeWellCapitalizedToRiskWeightedAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The Tier 1 common stock ratio (Tier 1 common stock divided by risk weighted assets) required to be categorized as "well capitalized" under the regulatory framework for prompt corrective action.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_TierOneRiskBasedCommonStockRequiredToBeWellCapitalizedToRiskWeightedAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_TierOneRiskBasedCommonStockToRiskWeightedAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tier 1 Common Stock divided by risk weighted assets as defined by regulations.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_TierOneRiskBasedCommonStockToRiskWeightedAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Capital">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of total capital as defined in the regulations.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 948<br> -SubTopic 10<br> -Section 50<br> -Paragraph 5<br> -URI http://asc.fasb.org/extlink&amp;oid=6490092&amp;loc=d3e47304-110998<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1H<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=d3e65071-112826<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 948<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=6490092&amp;loc=d3e47080-110998<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1H<br> -Subparagraph (c)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=d3e65071-112826<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_Capital</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CapitalRequiredForCapitalAdequacy">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The minimum amount of Total Capital required for capital adequacy purposes under the regulatory framework for prompt corrective action.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1H<br> -Subparagraph (c)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=d3e65071-112826<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CapitalRequiredForCapitalAdequacy</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1B<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958570-112826<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1H<br> -Subparagraph (c)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=d3e65071-112826<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CapitalRequiredToBeWellCapitalized">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of Total Capital required to be categorized as well as capitalized under the regulatory framework for prompt corrective action.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CapitalRequiredToBeWellCapitalized</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CapitalToRiskWeightedAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Total Capital divided by risk weighted assets as defined in the regulations.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1H<br> -Subparagraph (c)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=d3e65071-112826<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CapitalToRiskWeightedAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneLeverageCapital">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tier 1 Leverage Capital as defined in the regulations. Also called Core Capital.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1H<br> -Subparagraph (c)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=d3e65071-112826<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TierOneLeverageCapital</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The minimum amount of Tier 1 Leverage Capital required for capital adequacy purposes under the regulatory framework for prompt corrective action.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1H<br> -Subparagraph (c)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=d3e65071-112826<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The minimum amount of Tier 1 Leverage Capital for capital adequacy purposes divided by average assets as defined in the regulations.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1H<br> -Subparagraph (c)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=d3e65071-112826<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1B<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958570-112826<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of Tier 1 Leverage Capital required to be categorized as well capitalized under the regulatory framework for prompt corrective action.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneLeverageCapitalToAverageAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tier 1 Leverage Capital divided by average assets as defined in the regulations.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1H<br> -Subparagraph (c)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=d3e65071-112826<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TierOneLeverageCapitalToAverageAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneRiskBasedCapital">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tier 1 Risk Based Capital as defined in the regulations.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1H<br> -Subparagraph (c)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=d3e65071-112826<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TierOneRiskBasedCapital</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The minimum amount of Tier 1 Risk Based Capital required for capital adequacy purposes under the regulatory framework for prompt corrective action.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1H<br> -Subparagraph (c)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=d3e65071-112826<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1B<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958570-112826<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1H<br> -Subparagraph (c)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=d3e65071-112826<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of Tier 1 Risk Based Capital required to be categorized as well capitalized under the regulatory framework for prompt corrective action.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tier 1 capital divided by risk weighted assets as defined by regulations.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1H<br> -Subparagraph (c)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=d3e65071-112826<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>num:percentItemType</td>
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<td>na</td>
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<td>instant</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LegalEntityAxis=sfst_BankMember</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LegalEntityAxis=sfst_CompanyMember</td>
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6915006912">
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<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Loans and Allowance for Loan Losses (Details 11) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
<th class="th"><div>Dec. 31, 2018</div></th>
<th class="th"><div>Dec. 31, 2017</div></th>
<th class="th"><div>Dec. 31, 2016</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossAdditionalInformationAbstract', window );"><strong>Allowance for loan losses and recorded investment in loans by impairment methodology</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1', window );">Allowance for loan losses, Individually evaluated</a></td>
<td class="nump">$ 1,438<span></span>
</td>
<td class="nump">$ 2,014<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment', window );">Recorded investment in loans, Individually evaluated</a></td>
<td class="nump">12,013<span></span>
</td>
<td class="nump">12,572<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment', window );">Allowance for loan losses, Collectively evaluated</a></td>
<td class="nump">15,204<span></span>
</td>
<td class="nump">13,748<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment', window );">Recorded investment in loans, Collectively evaluated</a></td>
<td class="nump">1,931,512<span></span>
</td>
<td class="nump">1,664,760<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Allowance for loan losses, Total</a></td>
<td class="nump">16,642<span></span>
</td>
<td class="nump">15,762<span></span>
</td>
<td class="nump">$ 15,523<span></span>
</td>
<td class="nump">$ 14,855<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Recorded investment in loans, Total</a></td>
<td class="nump">1,943,525<span></span>
</td>
<td class="nump">1,677,332<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_CommercialLoanMember', window );">Commercial [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossAdditionalInformationAbstract', window );"><strong>Allowance for loan losses and recorded investment in loans by impairment methodology</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1', window );">Allowance for loan losses, Individually evaluated</a></td>
<td class="nump">992<span></span>
</td>
<td class="nump">1,528<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment', window );">Recorded investment in loans, Individually evaluated</a></td>
<td class="nump">8,308<span></span>
</td>
<td class="nump">8,089<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment', window );">Allowance for loan losses, Collectively evaluated</a></td>
<td class="nump">10,380<span></span>
</td>
<td class="nump">9,240<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment', window );">Recorded investment in loans, Collectively evaluated</a></td>
<td class="nump">1,290,030<span></span>
</td>
<td class="nump">1,120,616<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Allowance for loan losses, Total</a></td>
<td class="nump">11,372<span></span>
</td>
<td class="nump">10,768<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Recorded investment in loans, Total</a></td>
<td class="nump">1,298,338<span></span>
</td>
<td class="nump">1,128,705<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember', window );">Consumer [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossAdditionalInformationAbstract', window );"><strong>Allowance for loan losses and recorded investment in loans by impairment methodology</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1', window );">Allowance for loan losses, Individually evaluated</a></td>
<td class="nump">446<span></span>
</td>
<td class="nump">486<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment', window );">Recorded investment in loans, Individually evaluated</a></td>
<td class="nump">3,705<span></span>
</td>
<td class="nump">4,483<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment', window );">Allowance for loan losses, Collectively evaluated</a></td>
<td class="nump">4,824<span></span>
</td>
<td class="nump">4,508<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment', window );">Recorded investment in loans, Collectively evaluated</a></td>
<td class="nump">641,482<span></span>
</td>
<td class="nump">544,144<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Allowance for loan losses, Total</a></td>
<td class="nump">5,270<span></span>
</td>
<td class="nump">4,994<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Recorded investment in loans, Total</a></td>
<td class="nump">$ 645,187<span></span>
</td>
<td class="nump">$ 548,627<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableAllowanceForCreditLossAdditionalInformationAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableAllowanceForCreditLossAdditionalInformationAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableAllowanceForCreditLosses">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of allowance for credit loss on financing receivable. Excludes allowance for financing receivable covered under loss sharing agreement.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=118936363&amp;loc=SL6953423-111524<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=118955202&amp;loc=SL82895884-210446<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=119407570&amp;loc=SL82919249-210447<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(7)(d))<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (f)<br> -URI http://asc.fasb.org/extlink&amp;oid=119407570&amp;loc=SL82919249-210447<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableAllowanceForCreditLosses</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The valuation allowance for financing receivables that are expected to be uncollectible that were collectively evaluated for impairment.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (g)<br> -URI http://asc.fasb.org/extlink&amp;oid=118936363&amp;loc=SL6953423-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of valuation allowance for financing receivables that are expected to be uncollectible that were individually evaluated for impairment.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (g)<br> -URI http://asc.fasb.org/extlink&amp;oid=118936363&amp;loc=SL6953423-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The balance of financing receivables that were collectively evaluated for impairment.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (h)<br> -URI http://asc.fasb.org/extlink&amp;oid=118936363&amp;loc=SL6953423-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The balance of financing receivables that were individually evaluated for impairment.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (h)<br> -URI http://asc.fasb.org/extlink&amp;oid=118936363&amp;loc=SL6953423-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount before allowance and after 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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=118952595&amp;loc=d3e4428-111522<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=118936363&amp;loc=d3e5074-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=us-gaap_CommercialLoanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_CommercialLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6913566112">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Other Real Estate Owned (Details Textual) - USD ($)<br></strong></div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
<th class="th"><div>Dec. 31, 2018</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RealEstateAbstract', window );"><strong>Real Estate [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RealEstateAcquiredThroughForeclosure', window );">Real estate acquired in settlement loans</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RealEstateAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RealEstateAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RealEstateAcquiredThroughForeclosure">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=118936363&amp;loc=d3e5162-111524<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 45<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=118952595&amp;loc=d3e4437-111522<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RealEstateAcquiredThroughForeclosure</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
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<DOCUMENT>
<TYPE>XML
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<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<body>
<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6931046416">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Federal Home Loan Bank Advances and Other Borrowings (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2019</div></th>
<th class="th"><div>Dec. 31, 2018</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdvancesFromFederalHomeLoanBanksAbstract', window );"><strong>Summary of the terms and maturities of advances of FHLB</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdvancesFromFederalHomeLoanBanks', window );">Amount</a></td>
<td class="nump">$ 110,000<span></span>
</td>
<td class="nump">$ 50,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankInterestRate', window );">Rate</a></td>
<td class="nump">1.78%<span></span>
</td>
<td class="nump">3.01%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShortTermDebtTypeAxis=sfst_FederalHomeLoanBankAdvancesOneMember', window );">Federal Home Loan Bank Advances One [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdvancesFromFederalHomeLoanBanksAbstract', window );"><strong>Summary of the terms and maturities of advances of FHLB</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_FederalHomeLoanBankAdvancesMaturityDate', window );">Maturity</a></td>
<td class="text">Dec. 31,  2019<span></span>
</td>
<td class="text">Dec. 31,  2019<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdvancesFromFederalHomeLoanBanks', window );">Amount</a></td>
<td class="text"> <span></span>
</td>
<td class="nump">$ 25,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankInterestRate', window );">Rate</a></td>
<td class="text"> <span></span>
</td>
<td class="nump">2.65%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShortTermDebtTypeAxis=sfst_FederalHomeLoanBankAdvancesTwoMember', window );">Federal Home Loan Bank Advances Two [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdvancesFromFederalHomeLoanBanksAbstract', window );"><strong>Summary of the terms and maturities of advances of FHLB</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_FederalHomeLoanBankAdvancesMaturityDate', window );">Maturity</a></td>
<td class="text">Jul.  07,  2022<span></span>
</td>
<td class="text">Jul.  07,  2022<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdvancesFromFederalHomeLoanBanks', window );">Amount</a></td>
<td class="text"> <span></span>
</td>
<td class="nump">$ 10,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankInterestRate', window );">Rate</a></td>
<td class="text"> <span></span>
</td>
<td class="nump">3.11%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShortTermDebtTypeAxis=sfst_FederalHomeLoanBankAdvancesThreeMember', window );">Federal Home Loan Bank Advances Three [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdvancesFromFederalHomeLoanBanksAbstract', window );"><strong>Summary of the terms and maturities of advances of FHLB</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_FederalHomeLoanBankAdvancesMaturityDate', window );">Maturity</a></td>
<td class="text">Jul.  07,  2023<span></span>
</td>
<td class="text">Jul.  07,  2023<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdvancesFromFederalHomeLoanBanks', window );">Amount</a></td>
<td class="text"> <span></span>
</td>
<td class="nump">$ 15,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankInterestRate', window );">Rate</a></td>
<td class="text"> <span></span>
</td>
<td class="nump">3.53%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShortTermDebtTypeAxis=sfst_FederalHomeLoanBankAdvancesFourMember', window );">Federal Home Loan Bank Advances Four [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdvancesFromFederalHomeLoanBanksAbstract', window );"><strong>Summary of the terms and maturities of advances of FHLB</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_FederalHomeLoanBankAdvancesMaturityDate', window );">Maturity</a></td>
<td class="text">Dec. 31,  2020<span></span>
</td>
<td class="text">Dec. 31,  2020<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdvancesFromFederalHomeLoanBanks', window );">Amount</a></td>
<td class="nump">$ 110,000<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankInterestRate', window );">Rate</a></td>
<td class="nump">1.78%<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_FederalHomeLoanBankAdvancesMaturityDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Federal Home Loan Bank Advances maturity date.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_FederalHomeLoanBankAdvancesMaturityDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AdvancesFromFederalHomeLoanBanks">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of borrowings as of the balance sheet date from the Federal Home Loan Bank, which are primarily used to cover shortages in the required reserve balance and liquidity shortages.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 470<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AdvancesFromFederalHomeLoanBanks</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AdvancesFromFederalHomeLoanBanksAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AdvancesFromFederalHomeLoanBanksAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankInterestRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Discloses the single interest rate [if] applicable to the advances from the Federal Home Loan Bank, by branch, as of the Balance Sheet date.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 470<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=75038535&amp;loc=d3e64711-112823<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 470<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankInterestRate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShortTermDebtTypeAxis=sfst_FederalHomeLoanBankAdvancesOneMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShortTermDebtTypeAxis=sfst_FederalHomeLoanBankAdvancesOneMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShortTermDebtTypeAxis=sfst_FederalHomeLoanBankAdvancesTwoMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShortTermDebtTypeAxis=sfst_FederalHomeLoanBankAdvancesTwoMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShortTermDebtTypeAxis=sfst_FederalHomeLoanBankAdvancesThreeMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShortTermDebtTypeAxis=sfst_FederalHomeLoanBankAdvancesThreeMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShortTermDebtTypeAxis=sfst_FederalHomeLoanBankAdvancesFourMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShortTermDebtTypeAxis=sfst_FederalHomeLoanBankAdvancesFourMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6931568704">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Property and Equipment (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
<th class="th"><div>Dec. 31, 2018</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentNetByTypeAbstract', window );"><strong>Components of property and equipment</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment', window );">Accumulated depreciation and amortization</a></td>
<td class="num">$ (12,705)<span></span>
</td>
<td class="num">$ (10,860)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentGross', window );">Property and equipment, excluding ROU assets</a></td>
<td class="nump">38,973<span></span>
</td>
<td class="nump">32,430<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OperatingLeaseRightOfUseAsset', window );">ROU assets</a></td>
<td class="nump">19,505<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentNet', window );">Total property and equipment</a></td>
<td class="nump">58,478<span></span>
</td>
<td class="nump">32,430<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_LandMember', window );">Land [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentNetByTypeAbstract', window );"><strong>Components of property and equipment</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentGross', window );">Property and equipment, excluding ROU assets</a></td>
<td class="nump">11,531<span></span>
</td>
<td class="nump">6,827<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_BuildingMember', window );">Buildings [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentNetByTypeAbstract', window );"><strong>Components of property and equipment</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentGross', window );">Property and equipment, excluding ROU assets</a></td>
<td class="nump">24,136<span></span>
</td>
<td class="nump">24,064<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_LeaseholdImprovementsMember', window );">Leasehold Improvements [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentNetByTypeAbstract', window );"><strong>Components of property and equipment</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentGross', window );">Property and equipment, excluding ROU assets</a></td>
<td class="nump">4,486<span></span>
</td>
<td class="nump">2,899<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_FurnitureAndFixturesMember', window );">Furniture and equipment [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentNetByTypeAbstract', window );"><strong>Components of property and equipment</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentGross', window );">Property and equipment, excluding ROU assets</a></td>
<td class="nump">10,219<span></span>
</td>
<td class="nump">8,890<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_ComputerSoftwareIntangibleAssetMember', window );">Software [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentNetByTypeAbstract', window );"><strong>Components of property and equipment</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentGross', window );">Property and equipment, excluding ROU assets</a></td>
<td class="nump">367<span></span>
</td>
<td class="nump">329<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_ConstructionInProgressMember', window );">Construction in process [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentNetByTypeAbstract', window );"><strong>Components of property and equipment</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentGross', window );">Property and equipment, excluding ROU assets</a></td>
<td class="nump">$ 939<span></span>
</td>
<td class="nump">$ 281<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of accumulated depreciation, depletion and amortization for physical assets used in the normal conduct of business to produce goods and services.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 360<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.14)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OperatingLeaseRightOfUseAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of lessee's right to use underlying asset under operating lease.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 842<br> -SubTopic 20<br> -Section 45<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=77888419&amp;loc=SL77918627-209977<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OperatingLeaseRightOfUseAsset</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentGross">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount before accumulated depreciation, depletion and amortization of physical assets used in the normal conduct of business and not intended for resale. Examples include, but are not limited to, land, buildings, machinery and equipment, office equipment, and furniture and fixtures.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 360<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.13)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentGross</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(14))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 360<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(8))<br> -URI http://asc.fasb.org/extlink&amp;oid=119400593&amp;loc=d3e572229-122910<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(13))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentNetByTypeAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentNetByTypeAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_LandMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_LandMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_BuildingMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_BuildingMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_LeaseholdImprovementsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_LeaseholdImprovementsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_FurnitureAndFixturesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_FurnitureAndFixturesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_ComputerSoftwareIntangibleAssetMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_ComputerSoftwareIntangibleAssetMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_ConstructionInProgressMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_ConstructionInProgressMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<SEQUENCE>75
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<DESCRIPTION>IDEA: XBRL DOCUMENT
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<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6706494416">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Leases (Details Textual) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2019</div></th>
<th class="th"><div>Dec. 31, 2018</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LeasesAbstract', window );"><strong>Leases [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OperatingLeaseWeightedAverageRemainingLeaseTerm1', window );">Weighted average remaining life</a></td>
<td class="text">7 years 11 months 19 days<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OperatingLeaseWeightedAverageDiscountRatePercent', window );">Weighted average discount rate</a></td>
<td class="nump">2.86%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OperatingLeaseCost', window );">Operating lease costs</a></td>
<td class="nump">$ 2,200<span></span>
</td>
<td class="nump">$ 1,800<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OperatingLeaseRightOfUseAsset', window );">Operating lease, right-of-use asset</a></td>
<td class="nump">19,505<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OperatingLeaseLiability', window );">Lease liabilities</a></td>
<td class="nump">$ 20,088<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LeasesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LeasesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OperatingLeaseCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of single lease cost, calculated by allocation of remaining cost of lease over remaining lease term. Includes, but is not limited to, single lease cost, after impairment of right-of-use asset, calculated by amortization of remaining right-of-use asset and accretion of lease liability.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 842<br> -SubTopic 20<br> -Section 55<br> -Paragraph 53<br> -URI http://asc.fasb.org/extlink&amp;oid=77888399&amp;loc=SL77918982-209971<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 842<br> -SubTopic 20<br> -Section 50<br> -Paragraph 4<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=77888426&amp;loc=SL77918686-209980<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OperatingLeaseCost</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OperatingLeaseLiability">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Present value of lessee's discounted obligation for lease payments from operating lease.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 842<br> -SubTopic 20<br> -Section 45<br> -Paragraph 1<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=77888419&amp;loc=SL77918627-209977<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OperatingLeaseLiability</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OperatingLeaseRightOfUseAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of lessee's right to use underlying asset under operating lease.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 842<br> -SubTopic 20<br> -Section 45<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=77888419&amp;loc=SL77918627-209977<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OperatingLeaseRightOfUseAsset</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OperatingLeaseWeightedAverageDiscountRatePercent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Weighted average discount rate for operating lease calculated at point in time.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 842<br> -SubTopic 20<br> -Section 50<br> -Paragraph 4<br> -Subparagraph (g)(4)<br> -URI http://asc.fasb.org/extlink&amp;oid=77888426&amp;loc=SL77918686-209980<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 842<br> -SubTopic 20<br> -Section 55<br> -Paragraph 53<br> -URI http://asc.fasb.org/extlink&amp;oid=77888399&amp;loc=SL77918982-209971<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OperatingLeaseWeightedAverageDiscountRatePercent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OperatingLeaseWeightedAverageRemainingLeaseTerm1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Weighted average remaining lease term for operating lease, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents reported fact of one year, five months, and thirteen days.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 842<br> -SubTopic 20<br> -Section 55<br> -Paragraph 53<br> -URI http://asc.fasb.org/extlink&amp;oid=77888399&amp;loc=SL77918982-209971<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 842<br> -SubTopic 20<br> -Section 50<br> -Paragraph 4<br> -Subparagraph (g)(3)<br> -URI http://asc.fasb.org/extlink&amp;oid=77888426&amp;loc=SL77918686-209980<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OperatingLeaseWeightedAverageRemainingLeaseTerm1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
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<DESCRIPTION>IDEA: XBRL DOCUMENT
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<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6931402544">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Derivative Financial Instruments (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2019</div></th>
<th class="th"><div>Dec. 31, 2018</div></th>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_InterestRateLockCommitmentsMember', window );">Interest Rate Lock Commitments [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems', window );"><strong>Derivative Instruments and Hedging Activities Disclosures [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_DerivativesNotionalAmount', window );">Derivative financial instruments, Notional amount</a></td>
<td class="nump">$ 26,446<span></span>
</td>
<td class="nump">$ 20,552<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeAssetsLiabilitiesAtFairValueNet', window );">Derivative Asset/(Liability), Fair Value</a></td>
<td class="nump">$ 344<span></span>
</td>
<td class="nump">$ 345<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_BalanceSheetLocationDescription', window );">Balance Sheet Location, description</a></td>
<td class="text">Other assets<span></span>
</td>
<td class="text">Other assets<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_SecuritiesSoldNotYetPurchasedMember', window );">Securities Sold, Not yet Purchased [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems', window );"><strong>Derivative Instruments and Hedging Activities Disclosures [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_DerivativesNotionalAmount', window );">Derivative financial instruments, Notional amount</a></td>
<td class="nump">$ 20,500<span></span>
</td>
<td class="nump">$ 11,750<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeAssetsLiabilitiesAtFairValueNet', window );">Derivative Asset/(Liability), Fair Value</a></td>
<td class="num">$ (39)<span></span>
</td>
<td class="num">$ (121)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_BalanceSheetLocationDescription', window );">Balance Sheet Location, description</a></td>
<td class="text">Other liabilities<span></span>
</td>
<td class="text">Other liabilities<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_DerivativeMember', window );">Derivative [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems', window );"><strong>Derivative Instruments and Hedging Activities Disclosures [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_DerivativesNotionalAmount', window );">Derivative financial instruments, Notional amount</a></td>
<td class="nump">$ 46,946<span></span>
</td>
<td class="nump">$ 32,302<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeAssetsLiabilitiesAtFairValueNet', window );">Derivative Asset/(Liability), Fair Value</a></td>
<td class="nump">$ 305<span></span>
</td>
<td class="nump">$ 224<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_BalanceSheetLocationDescription">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Description of balance sheet location.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_BalanceSheetLocationDescription</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_DerivativesNotionalAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Aggregate notional amount specified by the derivative(s). Expressed as an absolute value.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_DerivativesNotionalAmount</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeAssetsLiabilitiesAtFairValueNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Fair values as of the balance sheet date of the net amount of all assets and liabilities resulting from contracts that meet the criteria of being accounted for as derivative instruments.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 45<br> -Paragraph 5<br> -URI http://asc.fasb.org/extlink&amp;oid=117331979&amp;loc=d3e41228-113958<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeAssetsLiabilitiesAtFairValueNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_InterestRateLockCommitmentsMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=us-gaap_SecuritiesSoldNotYetPurchasedMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_SecuritiesSoldNotYetPurchasedMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=us-gaap_DerivativeMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_DerivativeMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>77
<FILENAME>R56.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6933305360">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Investment Securities (Details 2)<br> $ in Thousands</strong></div></th>
<th class="th">
<div>Dec. 31, 2019 </div>
<div>USD ($) </div>
<div>Investments</div>
</th>
<th class="th">
<div>Dec. 31, 2018 </div>
<div>USD ($) </div>
<div>Investments</div>
</th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLossAbstract', window );"><strong>Summary of gross unrealized losses on investment securities and fair market value of related securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_NumberOfInvestmentsInContinuousUnrealizedLossPositionLessThanTwelveMonths', window );">Number of investments, Less than 12 months | Investments</a></td>
<td class="nump">28<span></span>
</td>
<td class="nump">8<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue', window );">Available-for-sale Securities, Less than 12 months, Fair Value</a></td>
<td class="nump">$ 30,095<span></span>
</td>
<td class="nump">$ 11,746<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss', window );">Available-for-sale Securities, Less than 12 months, Unrealized losses</a></td>
<td class="nump">$ 168<span></span>
</td>
<td class="nump">$ 64<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_NumberOfInvestmentsInContinuousUnrealizedLossPositionTwelveMonthsOrLonger', window );">Number of investments, 12 months or longer | Investments</a></td>
<td class="nump">22<span></span>
</td>
<td class="nump">53<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue', window );">Available-for-sale Securities, 12 months or longer, Fair Value</a></td>
<td class="nump">$ 20,296<span></span>
</td>
<td class="nump">$ 46,524<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss', window );">Available-for-sale Securities, 12 months or Longer, Unrealized losses</a></td>
<td class="nump">$ 265<span></span>
</td>
<td class="nump">$ 1,270<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_NumberOfInvestmentsInContinuousUnrealizedLossPosition', window );">Number of investments, Total | Investments</a></td>
<td class="nump">50<span></span>
</td>
<td class="nump">61<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue', window );">Available-for-sale Securities, Fair Value, Total</a></td>
<td class="nump">$ 50,391<span></span>
</td>
<td class="nump">$ 58,270<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss', window );">Available-for-sale Securities, Unrealized Losses, Total</a></td>
<td class="nump">$ 433<span></span>
</td>
<td class="nump">$ 1,334<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_AgencySecuritiesMember', window );">US government agencies [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLossAbstract', window );"><strong>Summary of gross unrealized losses on investment securities and fair market value of related securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_NumberOfInvestmentsInContinuousUnrealizedLossPositionLessThanTwelveMonths', window );">Number of investments, Less than 12 months | Investments</a></td>
<td class="nump">1<span></span>
</td>
<td class="nump">1<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue', window );">Available-for-sale Securities, Less than 12 months, Fair Value</a></td>
<td class="nump">$ 499<span></span>
</td>
<td class="nump">$ 1,246<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss', window );">Available-for-sale Securities, Less than 12 months, Unrealized losses</a></td>
<td class="nump">1<span></span>
</td>
<td class="nump">$ 3<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_NumberOfInvestmentsInContinuousUnrealizedLossPositionTwelveMonthsOrLonger', window );">Number of investments, 12 months or longer | Investments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">8<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue', window );">Available-for-sale Securities, 12 months or longer, Fair Value</a></td>
<td class="text"> <span></span>
</td>
<td class="nump">$ 7,035<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss', window );">Available-for-sale Securities, 12 months or Longer, Unrealized losses</a></td>
<td class="text"> <span></span>
</td>
<td class="nump">$ 191<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_NumberOfInvestmentsInContinuousUnrealizedLossPosition', window );">Number of investments, Total | Investments</a></td>
<td class="nump">1<span></span>
</td>
<td class="nump">9<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue', window );">Available-for-sale Securities, Fair Value, Total</a></td>
<td class="nump">$ 499<span></span>
</td>
<td class="nump">$ 8,281<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss', window );">Available-for-sale Securities, Unrealized Losses, Total</a></td>
<td class="nump">$ 1<span></span>
</td>
<td class="nump">$ 194<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=sfst_SbaSecuritiesMember', window );">SBA securities [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLossAbstract', window );"><strong>Summary of gross unrealized losses on investment securities and fair market value of related securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_NumberOfInvestmentsInContinuousUnrealizedLossPositionLessThanTwelveMonths', window );">Number of investments, Less than 12 months | Investments</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue', window );">Available-for-sale Securities, Less than 12 months, Fair Value</a></td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss', window );">Available-for-sale Securities, Less than 12 months, Unrealized losses</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_NumberOfInvestmentsInContinuousUnrealizedLossPositionTwelveMonthsOrLonger', window );">Number of investments, 12 months or longer | Investments</a></td>
<td class="nump">1<span></span>
</td>
<td class="nump">2<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue', window );">Available-for-sale Securities, 12 months or longer, Fair Value</a></td>
<td class="nump">$ 531<span></span>
</td>
<td class="nump">$ 3,525<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss', window );">Available-for-sale Securities, 12 months or Longer, Unrealized losses</a></td>
<td class="nump">$ 19<span></span>
</td>
<td class="nump">$ 103<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_NumberOfInvestmentsInContinuousUnrealizedLossPosition', window );">Number of investments, Total | Investments</a></td>
<td class="nump">1<span></span>
</td>
<td class="nump">2<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue', window );">Available-for-sale Securities, Fair Value, Total</a></td>
<td class="nump">$ 531<span></span>
</td>
<td class="nump">$ 3,525<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss', window );">Available-for-sale Securities, Unrealized Losses, Total</a></td>
<td class="nump">$ 19<span></span>
</td>
<td class="nump">$ 103<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_USStatesAndPoliticalSubdivisionsMember', window );">State and political subdivisions [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLossAbstract', window );"><strong>Summary of gross unrealized losses on investment securities and fair market value of related securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_NumberOfInvestmentsInContinuousUnrealizedLossPositionLessThanTwelveMonths', window );">Number of investments, Less than 12 months | Investments</a></td>
<td class="nump">2<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue', window );">Available-for-sale Securities, Less than 12 months, Fair Value</a></td>
<td class="nump">$ 2,093<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss', window );">Available-for-sale Securities, Less than 12 months, Unrealized losses</a></td>
<td class="nump">24<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_NumberOfInvestmentsInContinuousUnrealizedLossPositionTwelveMonthsOrLonger', window );">Number of investments, 12 months or longer | Investments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">7<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue', window );">Available-for-sale Securities, 12 months or longer, Fair Value</a></td>
<td class="text"> <span></span>
</td>
<td class="nump">$ 2,829<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss', window );">Available-for-sale Securities, 12 months or Longer, Unrealized losses</a></td>
<td class="text"> <span></span>
</td>
<td class="nump">$ 63<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_NumberOfInvestmentsInContinuousUnrealizedLossPosition', window );">Number of investments, Total | Investments</a></td>
<td class="nump">2<span></span>
</td>
<td class="nump">7<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue', window );">Available-for-sale Securities, Fair Value, Total</a></td>
<td class="nump">$ 2,093<span></span>
</td>
<td class="nump">$ 2,829<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss', window );">Available-for-sale Securities, Unrealized Losses, Total</a></td>
<td class="nump">$ 24<span></span>
</td>
<td class="nump">$ 63<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_AssetBackedSecuritiesMember', window );">Asset-backed Securities [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLossAbstract', window );"><strong>Summary of gross unrealized losses on investment securities and fair market value of related securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_NumberOfInvestmentsInContinuousUnrealizedLossPositionLessThanTwelveMonths', window );">Number of investments, Less than 12 months | Investments</a></td>
<td class="nump">5<span></span>
</td>
<td class="nump">4<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue', window );">Available-for-sale Securities, Less than 12 months, Fair Value</a></td>
<td class="nump">$ 5,921<span></span>
</td>
<td class="nump">$ 6,707<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss', window );">Available-for-sale Securities, Less than 12 months, Unrealized losses</a></td>
<td class="nump">$ 68<span></span>
</td>
<td class="nump">$ 49<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_NumberOfInvestmentsInContinuousUnrealizedLossPositionTwelveMonthsOrLonger', window );">Number of investments, 12 months or longer | Investments</a></td>
<td class="nump">5<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue', window );">Available-for-sale Securities, 12 months or longer, Fair Value</a></td>
<td class="nump">$ 7,246<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss', window );">Available-for-sale Securities, 12 months or Longer, Unrealized losses</a></td>
<td class="nump">$ 116<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_NumberOfInvestmentsInContinuousUnrealizedLossPosition', window );">Number of investments, Total | Investments</a></td>
<td class="nump">10<span></span>
</td>
<td class="nump">4<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue', window );">Available-for-sale Securities, Fair Value, Total</a></td>
<td class="nump">$ 13,167<span></span>
</td>
<td class="nump">$ 6,707<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss', window );">Available-for-sale Securities, Unrealized Losses, Total</a></td>
<td class="nump">$ 184<span></span>
</td>
<td class="nump">$ 49<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_MortgageBackedSecuritiesMember', window );">Mortgage-backed securities [Member] | FHLMC [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLossAbstract', window );"><strong>Summary of gross unrealized losses on investment securities and fair market value of related securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_NumberOfInvestmentsInContinuousUnrealizedLossPositionLessThanTwelveMonths', window );">Number of investments, Less than 12 months | Investments</a></td>
<td class="nump">4<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue', window );">Available-for-sale Securities, Less than 12 months, Fair Value</a></td>
<td class="nump">$ 3,842<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss', window );">Available-for-sale Securities, Less than 12 months, Unrealized losses</a></td>
<td class="nump">$ 2<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_NumberOfInvestmentsInContinuousUnrealizedLossPositionTwelveMonthsOrLonger', window );">Number of investments, 12 months or longer | Investments</a></td>
<td class="nump">4<span></span>
</td>
<td class="nump">10<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue', window );">Available-for-sale Securities, 12 months or longer, Fair Value</a></td>
<td class="nump">$ 2,323<span></span>
</td>
<td class="nump">$ 7,402<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss', window );">Available-for-sale Securities, 12 months or Longer, Unrealized losses</a></td>
<td class="nump">$ 13<span></span>
</td>
<td class="nump">$ 242<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_NumberOfInvestmentsInContinuousUnrealizedLossPosition', window );">Number of investments, Total | Investments</a></td>
<td class="nump">8<span></span>
</td>
<td class="nump">10<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue', window );">Available-for-sale Securities, Fair Value, Total</a></td>
<td class="nump">$ 6,165<span></span>
</td>
<td class="nump">$ 7,402<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss', window );">Available-for-sale Securities, Unrealized Losses, Total</a></td>
<td class="nump">$ 15<span></span>
</td>
<td class="nump">$ 242<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_MortgageBackedSecuritiesMember', window );">Mortgage-backed securities [Member] | FNMA [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLossAbstract', window );"><strong>Summary of gross unrealized losses on investment securities and fair market value of related securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_NumberOfInvestmentsInContinuousUnrealizedLossPositionLessThanTwelveMonths', window );">Number of investments, Less than 12 months | Investments</a></td>
<td class="nump">14<span></span>
</td>
<td class="nump">2<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue', window );">Available-for-sale Securities, Less than 12 months, Fair Value</a></td>
<td class="nump">$ 15,500<span></span>
</td>
<td class="nump">$ 2,689<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss', window );">Available-for-sale Securities, Less than 12 months, Unrealized losses</a></td>
<td class="nump">$ 67<span></span>
</td>
<td class="nump">$ 6<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_NumberOfInvestmentsInContinuousUnrealizedLossPositionTwelveMonthsOrLonger', window );">Number of investments, 12 months or longer | Investments</a></td>
<td class="nump">11<span></span>
</td>
<td class="nump">23<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue', window );">Available-for-sale Securities, 12 months or longer, Fair Value</a></td>
<td class="nump">$ 9,462<span></span>
</td>
<td class="nump">$ 22,814<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss', window );">Available-for-sale Securities, 12 months or Longer, Unrealized losses</a></td>
<td class="nump">$ 102<span></span>
</td>
<td class="nump">$ 545<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_NumberOfInvestmentsInContinuousUnrealizedLossPosition', window );">Number of investments, Total | Investments</a></td>
<td class="nump">25<span></span>
</td>
<td class="nump">25<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue', window );">Available-for-sale Securities, Fair Value, Total</a></td>
<td class="nump">$ 24,962<span></span>
</td>
<td class="nump">$ 25,503<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss', window );">Available-for-sale Securities, Unrealized Losses, Total</a></td>
<td class="nump">$ 169<span></span>
</td>
<td class="nump">$ 551<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_MortgageBackedSecuritiesMember', window );">Mortgage-backed securities [Member] | GNMA [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLossAbstract', window );"><strong>Summary of gross unrealized losses on investment securities and fair market value of related securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_NumberOfInvestmentsInContinuousUnrealizedLossPositionLessThanTwelveMonths', window );">Number of investments, Less than 12 months | Investments</a></td>
<td class="nump">2<span></span>
</td>
<td class="nump">1<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue', window );">Available-for-sale Securities, Less than 12 months, Fair Value</a></td>
<td class="nump">$ 2,240<span></span>
</td>
<td class="nump">$ 1,104<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss', window );">Available-for-sale Securities, Less than 12 months, Unrealized losses</a></td>
<td class="nump">$ 6<span></span>
</td>
<td class="nump">$ 6<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_NumberOfInvestmentsInContinuousUnrealizedLossPositionTwelveMonthsOrLonger', window );">Number of investments, 12 months or longer | Investments</a></td>
<td class="nump">1<span></span>
</td>
<td class="nump">3<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue', window );">Available-for-sale Securities, 12 months or longer, Fair Value</a></td>
<td class="nump">$ 734<span></span>
</td>
<td class="nump">$ 2,919<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss', window );">Available-for-sale Securities, 12 months or Longer, Unrealized losses</a></td>
<td class="nump">$ 15<span></span>
</td>
<td class="nump">$ 126<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_NumberOfInvestmentsInContinuousUnrealizedLossPosition', window );">Number of investments, Total | Investments</a></td>
<td class="nump">3<span></span>
</td>
<td class="nump">4<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue', window );">Available-for-sale Securities, Fair Value, Total</a></td>
<td class="nump">$ 2,974<span></span>
</td>
<td class="nump">$ 4,023<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss', window );">Available-for-sale Securities, Unrealized Losses, Total</a></td>
<td class="nump">$ 21<span></span>
</td>
<td class="nump">$ 132<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_NumberOfInvestmentsInContinuousUnrealizedLossPosition">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of investments in continuous unrealized loss position.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_NumberOfInvestmentsInContinuousUnrealizedLossPosition</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_NumberOfInvestmentsInContinuousUnrealizedLossPositionLessThanTwelveMonths">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of investments in continuous unrealized loss position, less than twelve months.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_NumberOfInvestmentsInContinuousUnrealizedLossPositionLessThanTwelveMonths</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_NumberOfInvestmentsInContinuousUnrealizedLossPositionTwelveMonthsOrLonger">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of investments in continuous unrealized loss position twelve months or longer.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_NumberOfInvestmentsInContinuousUnrealizedLossPositionTwelveMonthsOrLonger</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLossAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLossAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of accumulated unrealized loss on investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale), in continuous unrealized loss position for 12 months or longer, without allowance for credit loss. Includes beneficial interest in securitized financial asset.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 7<br> -URI http://asc.fasb.org/extlink&amp;oid=118939692&amp;loc=d3e27337-111563<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 30<br> -Section 50<br> -Paragraph 5<br> -URI http://asc.fasb.org/extlink&amp;oid=118955579&amp;loc=SL82922890-210455<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss</td>
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<tr>
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<tr>
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<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of accumulated unrealized loss on investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale), in continuous unrealized loss position for less than 12 months, without allowance for credit loss. Includes beneficial interest in securitized financial asset.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 30<br> -Section 50<br> -Paragraph 5<br> -URI http://asc.fasb.org/extlink&amp;oid=118955579&amp;loc=SL82922890-210455<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 7<br> -URI http://asc.fasb.org/extlink&amp;oid=118939692&amp;loc=d3e27337-111563<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss</td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of accumulated unrealized loss on investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale), in unrealized loss position, without allowance for credit loss. Includes beneficial interest in securitized financial asset.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=118939692&amp;loc=d3e27290-111563<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 30<br> -Section 50<br> -Paragraph 4<br> -Subparagraph (a)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=118955579&amp;loc=SL82922888-210455<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss</td>
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<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
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<td></td>
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<td><strong> Name:</strong></td>
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<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_AssetBackedSecuritiesMember</td>
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<td></td>
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<td><strong> Name:</strong></td>
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InvestmentTypeAxis=us-gaap_FederalHomeLoanMortgageCorporationCertificatesAndObligationsFHLMCMember</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InvestmentTypeAxis=us-gaap_FederalNationalMortgageAssociationCertificatesAndObligationsFNMAMember</td>
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<td>na</td>
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InvestmentTypeAxis=us-gaap_GovernmentNationalMortgageAssociationCertificatesAndObligationsGNMAMember</td>
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Selected Condensed Quarterly Financial Data (Unaudited) (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2019</div></th></tr>
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   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
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   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
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   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

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   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">September 30</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

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   <td style="width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

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   <td style="width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">23,088</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">24,056</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160;</td>

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   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

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   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">5,794</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">6,549</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">6,777</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">6,263</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 91%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Net interest income</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">15,818</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">16,539</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">17,279</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">17,633</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 91%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Provision for loan losses</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">300</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">300</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">650</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,050</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 91%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Noninterest income</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,994</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4,090</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4,396</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3,503</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; width: 91%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Noninterest expenses</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">10,648</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">11,368</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">11,484</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">10,973</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 91%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Income before income tax expense</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,864</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">8,961</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">9,541</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">9,113</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; width: 91%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Income tax expense</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,855</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,722</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,129</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,915</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 91%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Net income available to common shareholders</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">6,009</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,239</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,412</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,198</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 91%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Earnings per common share</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 91%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Basic</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">0.81</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">0.97</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">0.98</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">0.94</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 91%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Diluted</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">0.78</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">0.93</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">0.95</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">0.92</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 91%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Weighted average common shares outstanding</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 91%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Basic</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,459,342</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,495,508</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,548,184</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,608,241</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1.5pt solid; padding-left: 15pt; width: 91%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Diluted</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,741,860</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,756,044</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,780,504</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,810,922</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 91%; white-space: nowrap; text-align: left">&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 91%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="8" style="border-bottom: Black 1pt solid; width: 8%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2018</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 91%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="8" style="border-bottom: Black 1pt solid; width: 8%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">For the quarters ended</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 91%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">March 31</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">June 30</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">September 30</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">December 31</font></b></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 91%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Interest income</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">17,178</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">18,535</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">19,865</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">21,079</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 91%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Interest expense</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3,136</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3,923</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4,364</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">5,082</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 91%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Net interest income</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">14,042</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">14,612</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">15,501</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">15,997</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 91%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Provision for loan losses</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">500</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">400</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">400</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">600</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 91%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Noninterest income</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,420</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,771</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,533</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,477</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 91%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Noninterest expenses</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">9,205</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">9,979</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">10,188</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">10,391</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 91%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Income before income tax expense</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">6,757</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,004</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,446</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,483</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 91%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Income tax expense</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,543</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,494</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,664</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,700</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; width: 91%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Net income available to common shareholders</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">5,214</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">5,510</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">5,782</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">5,783</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 91%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Earnings per common share</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 91%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Basic</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">0.71</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">0.75</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">0.78</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">0.78</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 91%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Diluted</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">0.67</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">0.71</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">0.75</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">0.75</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 91%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Weighted average common shares outstanding</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 91%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Basic</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,336,839</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,370,709</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,400,174</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,427,902</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1.5pt solid; padding-left: 15pt; width: 91%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Diluted</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,726,885</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,751,146</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,746,205</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,725,661</font></td></tr>


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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of quarterly financial data. Includes, but is not limited to, financial information for fiscal quarters, cumulative effect of a change in accounting principle and earnings per share data.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 270<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=118952077&amp;loc=d3e1280-108306<br></p></div>
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6645216704">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Regulatory Matters (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2019</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_RegulatoryMattersAbstract', window );"><strong>Regulatory Matters [Abstract]</strong></a></td>
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<td class="text"><div><p style="text-align: justify"><font style="font: x-small Arial">The following table summarizes the capital amounts and ratios of the Bank and the Company and the regulatory minimum requirements at December 31, 2019 and 2018.</font></p>

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   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td></tr>


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   <td style="width: 85%; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

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   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="4" style="width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">To be well</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 85%; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

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   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="4" style="width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">capitalized</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 85%; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td colspan="3" style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">For capital</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="4" style="width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">under prompt</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 85%; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td colspan="3" style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">adequacy purposes</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="4" style="width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">corrective action</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 85%; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"><b><font style="font: xx-small Arial">Actual</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="4" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">minimum</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="4" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">provisions minimum</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 85%; text-align: left"><font style="font: xx-small Arial">(dollars in thousands)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial"></font></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: center"><b><font style="font: xx-small Arial">Amount</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"><b><font style="font: xx-small Arial">Ratio</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: center"><b><font style="font: xx-small Arial">Amount</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"><b><font style="font: xx-small Arial">Ratio</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: center"><b><font style="font: xx-small Arial">Amount</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"><b><font style="font: xx-small Arial">Ratio</font></b></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 85%; text-align: left"><b><font style="font: x-small Arial">As of December 31, 2019</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial"></font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 85%; text-align: left"><i><font style="font: x-small Arial">The Bank</font></i></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><i><font style="font: x-small Arial"></font></i></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 85%; text-align: left"><font style="font: x-small Arial">Total Capital (to risk weighted assets)</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">250,847</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">&#160;&#160;&#160;&#160;&#160;</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">13.31%</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">150,807</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">8.00%</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"><font style="font: x-small Arial">&#160;$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">188,510</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">10.00%</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 85%; text-align: left"><font style="font: x-small Arial">Tier 1 Capital (to risk weighted assets)</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">234,205</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">12.42%</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">113,106</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">6.00%</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">150,807</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">8.00%</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 85%; text-align: left"><font style="font: x-small Arial">Common Equity Tier 1 Capital (to risk weighted assets)</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">234,205</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">12.42%</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">84,829</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4.50%</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">122,531</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">6.50%</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 85%; text-align: left"><font style="font: x-small Arial">Tier 1 Capital (to average assets)</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">234,205</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">10.80%</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">86,772</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4.00%</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">108,465</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">5.00%</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 85%; text-align: left"><i><font style="font: x-small Arial">&#160;</font></i></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><i><font style="font: x-small Arial"></font></i></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 85%; text-align: left"><i><font style="font: x-small Arial">The Company</font></i><i><font style="font: x-small Arial"><sup>(1)</sup></font></i></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><i><font style="font: x-small Arial"></font></i></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 85%; text-align: left"><font style="font: x-small Arial">Total Capital (to risk weighted assets)</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">258,800</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">13.73%</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">150,807</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">8.00%</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">n/a</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">n/a</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 85%; text-align: left"><font style="font: x-small Arial">Tier 1 Capital (to risk weighted assets)</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">219,158</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">11.63%</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">113,106</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">6.00%</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">n/a</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">n/a</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 85%; text-align: left"><font style="font: x-small Arial">Common Equity Tier 1 Capital (to risk weighted assets)</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">206,158</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">10.94%</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">84,829</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4.50%</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">n/a</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">n/a</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1.5pt solid; width: 85%; text-align: left"><font style="font: x-small Arial">Tier 1 Capital (to average assets)</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">219,158</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">10.10%</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">86,772</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4.00%</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">n/a</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">n/a</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 85%; text-align: left">&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 85%; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="4" style="width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">To be well</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 85%; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="4" style="width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">capitalized</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 85%; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="4" style="width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">For capital</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="4" style="width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">under prompt</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 85%; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="4" style="width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">adequacy purposes</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="4" style="width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">corrective action</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 85%; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"><b><font style="font: xx-small Arial">Actual</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td colspan="4" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">minimum</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td colspan="4" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">provisions minimum</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 85%; text-align: left"><font style="font: xx-small Arial">(dollars in thousands)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial"></font></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: center"><b><font style="font: xx-small Arial">Amount</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"><b><font style="font: xx-small Arial">Ratio</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: center"><b><font style="font: xx-small Arial">Amount</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"><b><font style="font: xx-small Arial">Ratio</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: center"><b><font style="font: xx-small Arial">Amount</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"><b><font style="font: xx-small Arial">Ratio</font></b></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 85%; text-align: left"><b><font style="font: x-small Arial">As of December 31, 2018</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial"></font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 85%; text-align: left"><i><font style="font: x-small Arial">The Bank</font></i></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><i><font style="font: x-small Arial"></font></i></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 85%; text-align: left"><font style="font: x-small Arial">Total Capital (to risk weighted assets)</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">198,195</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">12.16%</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">130,368</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">8.00%</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">162,960</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">10.00%</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 85%; text-align: left"><font style="font: x-small Arial">Tier 1 Capital (to risk weighted assets)</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">182,433</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">11.20%</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">97,776</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">6.00%</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">130,368</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">8.00%</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 85%; text-align: left"><font style="font: x-small Arial">Common Equity Tier 1 Capital (to risk weighted assets)</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">182,433</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">11.20%</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">73,332</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4.50%</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">105,924</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">6.50%</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 85%; text-align: left"><font style="font: x-small Arial">Tier 1 Capital (to average assets)</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">182,433</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">9.84%</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">74,126</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4.00%</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">92,658</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">5.00%</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 85%; text-align: left"><i><font style="font: x-small Arial">&#160;</font></i></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><i><font style="font: x-small Arial"></font></i></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 85%; text-align: left"><i><font style="font: x-small Arial">The Company</font></i><i><font style="font: x-small Arial"><sup>(1)</sup></font></i></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><i><font style="font: x-small Arial"></font></i></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 85%; text-align: left"><font style="font: x-small Arial">Total Capital (to risk weighted assets)</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">203,595</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">12.49%</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">130,368</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">8.00%</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">n/a</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">n/a</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 85%; text-align: left"><font style="font: x-small Arial">Tier 1 Capital (to risk weighted assets)</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">187,833</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">11.53%</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">97,776</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">6.00%</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">n/a</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">n/a</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 85%; text-align: left"><font style="font: x-small Arial">Common Equity Tier 1 Capital (to risk weighted assets)</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">174,833</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">10.73%</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">73,332</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4.50%</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">n/a</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">n/a</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1.5pt solid; width: 85%; text-align: left"><font style="font: x-small Arial">Tier 1 Capital (to average assets)</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">187,833</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">10.14%</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">74,126</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4.00%</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">n/a</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">n/a</font></td></tr>


</table>



<br />
<div>

<table cellspacing="0" cellpadding="0" border="0" style="width: 100%">



<tr>

   <td style="padding-right: 8pt; width: 1%; vertical-align: top; text-align: left">



   <p style="text-align: justify"><i><font style="font: xx-small Arial">(1)</font></i></p></td>

   <td style="width: 99%">



   <p style="text-align: justify"><i><font style="font: xx-small Arial">Under the Federal Reserve&#8217;s Small Bank Holding Company Policy Statement, the Company is not subject to the minimum capital adequacy and capital conservation buffer capital requirements at the holding company level, unless otherwise advised by the Federal Reserve (such capital requirements are applicable only at the Bank level). Although the minimum regulatory capital requirements are not applicable to the Company, we calculate these ratios for our own planning and monitoring purposes.</font></i></p></td></tr></table></div></div><span></span>
</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1G<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958577-112826<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1H<br> -Subparagraph (c)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=d3e65071-112826<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1B<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958570-112826<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6811793344">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Deposits (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2019</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepositsAbstract', window );"><strong>Deposits [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_DetailOfDepositAccountsTableTextBlock', window );">Schedule of detail in deposit accounts</a></td>
<td class="text"><div><p style="text-align: left"><font style="font: x-small Arial">The following is a detail of the deposit accounts:</font></p>
<table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 100%">

<tr style="vertical-align: bottom">
   <td style="border-top: #000000 1.5pt solid; width: 95%; white-space: nowrap; text-align: left"></td>
   <td style="border-top: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"></td>
   <td colspan="4" style="border-top: #000000 1.5pt solid; width: 4%; white-space: nowrap; text-align: right">&#160;</td></tr>
<tr style="vertical-align: bottom">
   <td style="width: 95%; white-space: nowrap; text-align: left"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"></td>
   <td colspan="4" style="border-bottom: #000000 1pt solid; width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">December 31,</font></b></td></tr>
<tr style="vertical-align: bottom">
   <td style="border-bottom: #000000 1pt solid; width: 95%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">(dollars in thousands)</font></td>
   <td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160;</td>
   <td colspan="2" style="border-bottom: #000000 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2019</font></b></td>
   <td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160;</td>
   <td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2018</font></b></td></tr>
<tr style="vertical-align: bottom; background-color: Silver">
   <td style="width: 95%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Noninterest bearing</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">397,331</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">346,570</font></td></tr>
<tr style="vertical-align: bottom">
   <td style="width: 95%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Interest bearing:</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: left"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="width: 1%; white-space: nowrap; text-align: left"></td>
   <td style="width: 1%; white-space: nowrap; text-align: left"></td>
   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>
<tr style="vertical-align: bottom; background-color: Silver">
   <td style="width: 95%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">NOW accounts</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: left"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">228,680</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">186,795</font></td></tr>
<tr style="vertical-align: bottom">
   <td style="width: 95%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Money market accounts</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: left"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">898,923</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">730,765</font></td></tr>
<tr style="vertical-align: bottom; background-color: Silver">
   <td style="width: 95%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Savings</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: left"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">16,258</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">15,486</font></td></tr>
<tr style="vertical-align: bottom">
   <td style="width: 95%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Time, less than $100,000</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: left"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">47,941</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">63,073</font></td></tr>
<tr style="vertical-align: bottom; background-color: Silver">
   <td style="border-bottom: #000000 1pt solid; padding-left: 15pt; width: 95%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Time, $100,000 and over</font></td>
   <td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>
   <td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">286,991</font></td>
   <td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>
   <td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">305,447</font></td></tr>
<tr style="vertical-align: bottom">
   <td style="border-bottom: #000000 1.5pt solid; padding-left: 30pt; width: 95%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total deposits</font></td>
   <td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>
   <td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>
   <td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,876,124</font></td>
   <td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>
   <td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,648,136</font></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_ScheduledMaturitiesOfCertificatesOfDepositTableTextBlock', window );">Scheduled maturities of certificates of deposit</a></td>
<td class="text"><div><p style="text-align: left"><font style="font: x-small Arial">At December 31, 2019 the scheduled maturities of certificates of deposit are as follows:</font></p>
<table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 100%">

<tr style="vertical-align: bottom">
   <td style="border-top: #000000 1.5pt solid; width: 97%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial"></font></td>
   <td style="border-top: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="border-top: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="border-top: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: left">&#160;</td></tr>
<tr style="vertical-align: bottom">
   <td style="border-bottom: Black 1pt solid; width: 97%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">(dollars in thousands)</font></td>
   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160;</td>
   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td></tr>
<tr style="vertical-align: bottom; background-color: Silver">
   <td style="width: 97%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">2020</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">277,342</font></td></tr>
<tr style="vertical-align: bottom">
   <td style="width: 97%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">2021</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">38,528</font></td></tr>
<tr style="vertical-align: bottom; background-color: Silver">
   <td style="width: 97%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">2022</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">10,783</font></td></tr>
<tr style="vertical-align: bottom">
   <td style="width: 97%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">2023</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">6,133</font></td></tr>
<tr style="vertical-align: bottom; background-color: Silver">
   <td style="border-bottom: Black 1px solid; width: 97%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">2024 and after</font></td>
   <td style="border-bottom: Black 1px solid; width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="border-bottom: Black 1px solid; width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="border-bottom: Black 1px solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,146</font></td></tr>
<tr style="vertical-align: bottom">
   <td style="border-bottom: Black 1.5pt solid; width: 97%; white-space: nowrap; text-align: left"></td>
   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>
   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>
   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">334,932</font></td></tr></table></div><span></span>
</td>
</tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure for detail of the deposit accounts.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_DetailOfDepositAccountsTableTextBlock</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure for scheduled maturities of certificates of deposit.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<td style="white-space:nowrap;">sfst_ScheduledMaturitiesOfCertificatesOfDepositTableTextBlock</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DepositsAbstract">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DepositsAbstract</td>
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6920434112">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Earnings Per Common Share (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2019</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareAbstract', window );"><strong>Earnings per common share</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock', window );">Schedule of earnings per share calculation</a></td>
<td class="text"><div><p style="text-align: justify"><font style="font: x-small Arial">These options were therefore excluded from the diluted earnings per share calculation.</font></p>

<table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 100%">



<tr style="vertical-align: bottom">
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td colspan="7" style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td></tr>
<tr style="vertical-align: bottom">

   <td style="width: 86%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="7" style="border-bottom: Black 1pt solid; width: 13%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">December 31,</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 86%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">(dollars in thousands, except share data)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2019</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160;</td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2018</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2017</font></b></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 86%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Numerator:</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 86%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Net income</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">27,858</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;$</font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">22,289</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">13,045</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 86%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Net income available to common shareholders</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">27,858</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">22,289</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">13,045</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 86%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Denominator:</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 86%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Weighted-average common shares outstanding - basic</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,528,283</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,384,200</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,005,703</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 86%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Common stock equivalents</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">244,261</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">353,295</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">387,674</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 86%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Weighted-average common shares outstanding - diluted</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,772,544</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,737,495</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,393,377</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 86%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Earnings per common share:</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 86%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Basic</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3.70</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3.02</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1.86</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1.5pt solid; padding-left: 15pt; width: 86%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Diluted</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3.58</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2.88</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1.76</font></td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br></p></div>
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6920492368">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Summary of Significant Accounting Policies and Activities<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2019</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountingPoliciesAbstract', window );"><strong>Accounting Policies [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SignificantAccountingPoliciesTextBlock', window );">Summary of Significant Accounting Policies and Activities</a></td>
<td class="text"><div><p style="text-align: justify"><b><font style="font: x-small Arial">NOTE 1 &#8211; Summary of Significant Accounting Policies and Activities</font></b></p>
<p style="text-align: justify"><b><i><font style="font: x-small Arial">Southern First Bancshares, Inc. </font></i></b><font style="font: x-small Arial">(the "Company") is a South Carolina corporation that owns all of the capital stock of Southern First Bank (the "Bank") and all of the stock of Greenville First Statutory Trust I and II (collectively, the "Trusts"). The Trusts are special purpose non-consolidated entities organized for the sole purpose of issuing trust preferred securities. The Bank's primary federal regulator is the Federal Deposit Insurance Corporation (the "FDIC"). The Bank is also regulated and examined by the South Carolina Board of Financial Institutions. The Bank is primarily engaged in the business of accepting demand deposits and savings deposits insured by the FDIC, and providing commercial, consumer and mortgage loans to the general public.</font></p>
<p style="text-align: justify"><i><font style="font: x-small Arial">Basis of Presentation</font></i></p>
<p style="text-align: justify"><font style="font: x-small Arial">The accompanying consolidated financial statements include the accounts of the Company and its wholly owned subsidiary, Southern First Bank. In consolidation, all significant intercompany transactions have been eliminated. The accounting and reporting policies conform to accounting principles generally accepted in the United States of America. In accordance with guidance issued by the Financial Accounting Standards Board (&#8220;FASB&#8221;), the operations of the Trusts have not been consolidated in these financial statements.</font></p>
<p style="text-align: justify"><i><font style="font: x-small Arial">Business Segments</font></i></p>
<p style="text-align: justify"><font style="font: x-small Arial">ASC Topic 280-10, &#8220;Segment Reporting,&#8221; requires selected segment information of operating segments based on a management approach. The Company&#8217;s three reportable segments represent the distinct product lines the Company offers and are viewed separately for strategic planning by management. Please refer to &#8220;Note 24 &#8211; Reportable Segments&#8221; for further information on the reporting for the Company&#8217;s three business segments.</font></p>
<p style="text-align: justify"><i><font style="font: x-small Arial">Use of Estimates</font></i></p>
<p style="text-align: justify"><font style="font: x-small Arial">The preparation of consolidated financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities as of the date of the consolidated financial statements and the reported amount of income and expenses during the reporting periods. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for loan losses, derivatives, real estate acquired in settlement of loans, fair value of financial instruments, evaluating other-than-temporary-impairment of investment securities and valuation of deferred tax assets.</font></p>
<p style="text-align: justify"><i><font style="font: x-small Arial">Risks and Uncertainties</font></i></p>
<p style="text-align: justify"><font style="font: x-small Arial">In the normal course of its business, the Company encounters two significant types of risks: economic and regulatory. There are three main components of economic risk: interest rate risk, credit risk and market risk. The Company is subject to interest rate risk to the degree that its interest-bearing liabilities mature or reprice at different speeds, or on different bases, than its interest-earning assets. Credit risk is the risk of default within the Company&#8217;s loan portfolio that results from borrowers&#8217; inability or unwillingness to make contractually required payments. Market risk reflects changes in the value of collateral underlying loans receivable and the valuation of real estate held by the Company.</font></p>
<p style="text-align: justify"><font style="font: x-small Arial">The Company is subject to the regulations of various governmental agencies. These regulations can and do change significantly from period to period. The Company also undergoes periodic examinations by the regulatory agencies, which may subject it to changes with respect to valuation of assets, amount of required loan loss allowance and operating restrictions resulting from the regulators&#8217; judgments based on information available to them at the time of their examinations.</font></p>
<p style="text-align: justify"><font style="font: x-small Arial">The Bank makes loans to individuals and businesses in the Upstate, Midlands, and Lowcountry regions of South Carolina as well as the Triangle and Triad regions of North Carolina and Atlanta, Georgia for various personal and commercial purposes. The Bank&#8217;s loan portfolio has a concentration of real estate loans. As of December 31, 2019 and 2018, real estate loans represented 82.8% and 82.3%, respectively, of total loans. However, borrowers&#8217; ability to repay their loans is not dependent upon any specific economic sector.</font></p>
<p style="text-align: justify"><i><font style="font: x-small Arial">Subsequent Events</font></i></p>
<p style="text-align: justify"><font style="font: x-small Arial">Subsequent events are events or transactions
that occur after the balance sheet date but before financial statements are issued. Recognized subsequent events are events or
transactions that provide additional evidence about conditions that existed at the date of the balance sheet, including the estimates
inherent in the process of preparing financial statements. Non-recognized subsequent events are events that provide evidence about
conditions that did not exist at the date of the balance sheet but arose after that date. Management performed an evaluation to
determine whether there have been any subsequent events since the balance sheet date and determined that no subsequent events
occurred requiring accrual or disclosure.</font></p>


<p style="text-align: justify"><i><font style="font: x-small Arial">Reclassifications</font></i></p>
<p style="text-align: justify"><font style="font: x-small Arial">Certain amounts, previously reported, have been reclassified to state all periods on a comparable basis and had no effect on shareholders&#8217; equity or net income.</font></p>
<p style="text-align: justify"><i><font style="font: x-small Arial">Cash and Cash Equivalents</font></i></p>
<p style="text-align: justify"><font style="font: x-small Arial">Cash and cash equivalents include cash and due from banks, interest bearing deposits and federal funds sold. Cash and cash equivalents have original maturities of three months or less, and federal funds sold are generally purchased and sold for one-day periods. Accordingly, the carrying value of these instruments is deemed to be a reasonable estimate of fair value. At December 31, 2019 and 2018, included in cash and cash equivalents was $6.0 million and $4.9 million, respectively, on deposit with the Federal Reserve Bank.</font></p>
<p style="text-align: justify"><i><font style="font: x-small Arial">Investment Securities</font></i></p>
<p style="text-align: justify"><font style="font: x-small Arial">We classify our investment securities as held to maturity securities, trading securities and available for sale securities as applicable.</font></p>
<p style="text-align: justify"><font style="font: x-small Arial">Investment securities are designated as held to maturity if we have the intent and the ability to hold the securities to maturity. Held to maturity securities are carried at amortized cost, adjusted for the amortization of any related premiums or the accretion of any related discounts into interest income using a methodology which approximates a level yield of interest over the estimated remaining period until maturity. Unrealized losses on held to maturity securities, reflecting a decline in value judged by us to be other than temporary, are charged to income in the Consolidated Statements of Income.</font></p>
<p style="text-align: justify"><font style="font: x-small Arial">Investment securities that are purchased and held principally for the purpose of selling in the near term are reported as trading securities. Trading securities are carried at fair value with unrealized holding gains and losses included in earnings.</font></p>
<p style="text-align: justify"><font style="font: x-small Arial">We classify investment securities as available for sale when at the time of purchase we determine that such securities may be sold at a future date or if we do not have the intent or ability to hold such securities to maturity. Securities designated as available for sale are recorded at fair value. Changes in the fair value of available for sale debt securities are included in shareholders&#8217; equity as unrealized gains or losses, net of the related tax effect. Unrealized losses on available for sale securities, reflecting a decline in value judged to be other than temporary, are charged to income in the Consolidated Statements of Income. Realized gains or losses on available for sale securities are computed on the specific identification basis.</font></p>
<p style="text-align: justify"><i><font style="font: x-small Arial">Other Investments</font></i></p>
<p style="text-align: justify"><font style="font: x-small Arial">The Bank, as a member institution, is required to own a stock investment in the Federal Home Loan Bank of Atlanta (&#8220;FHLB&#8221;). This stock is generally pledged against any borrowings from the FHLB and cash dividends on our FHLB stock are recorded in investment income. No ready market exists for these stocks and they have no quoted market value. However, redemption of this stock has historically been at par value. Other investments also include a $403,000 investment in the Trusts.</font></p>
<p style="text-align: justify"><i><font style="font: x-small Arial">Loans</font></i></p>
<p style="text-align: justify"><font style="font: x-small Arial">Loans are stated at the principal balance
outstanding. Unamortized net loan fees and the allowance for possible loan losses are deducted from total loans on the balance
sheets. Interest income is recognized over the term of the loan based on the principal amount outstanding. The net of loan origination
fees received and direct costs incurred in the origination of loans is deferred and amortized to interest income over the contractual
life of the loans adjusted for actual principal prepayments using a method approximating the interest method.</font></p>


<p style="text-align: justify"><i><font style="font: x-small Arial">Nonaccrual and Past Due Loans</font></i></p>
<p style="text-align: justify"><font style="font: x-small Arial">Loans are generally placed on nonaccrual status when principal or interest becomes 90 days past due, or when payment in full is not anticipated. When a loan is placed on nonaccrual status, interest accrued but not received is generally reversed against interest income. Cash receipts on nonaccrual loans are not recorded as interest income, but are used to reduce the loan&#8217;s principal balance. A nonaccrual loan is generally returned to accrual status and accrual of interest is resumed when payments have been made according to the terms and conditions of the loan for a continuous six month period. Our loans are considered past due when contractually required principal or interest payments have not been made on the due dates.</font></p>
<p style="text-align: justify"><i><font style="font: x-small Arial">Nonperforming Assets</font></i></p>
<p style="text-align: justify"><font style="font: x-small Arial">Nonperforming assets include real estate acquired through foreclosure or deed taken in lieu of foreclosure, loans on nonaccrual status and loans past due 90 days or more and still accruing interest. Loans are placed on nonaccrual status when, in the opinion of management, the collection of additional interest is uncertain. Thereafter no interest is taken into income until such time as the borrower demonstrates the ability to pay both principal and interest.</font></p>
<p style="text-align: justify"><i><font style="font: x-small Arial">Impaired Loans</font></i></p>
<p style="text-align: justify"><font style="font: x-small Arial">Our impaired loans include loans on nonaccrual status and loans modified in a troubled debt restructuring (&#8220;TDR&#8221;), whether on accrual or nonaccrual status. For loans that are classified as impaired, an allowance is established when the fair value (discounted cash flows, collateral value, or observable market price) of the impaired loan less costs to sell, are lower than the carrying value of that loan. A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due, among other factors. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including, without limitation, the length of the delay, the reasons for the delay, the borrower's prior payment record, and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan by loan basis for commercial and consumer loans by either the present value of expected future cash flows discounted at the loan's effective interest rate, the loan's obtainable market price, or the fair value of the collateral if the loan is collateral dependent.</font></p>
<p style="text-align: justify"><i><font style="font: x-small Arial">Loan Charge-off Policy</font></i></p>
<p style="text-align: justify"><font style="font: x-small Arial">For commercial loans, we generally fully charge off or charge collateralized loans down to net realizable value when management determines the loan to be uncollectible; repayment is deemed to be projected beyond reasonable time frames; the loan has been classified as a loss by either our internal loan review process or our banking regulatory agencies; the client has filed bankruptcy and the loss becomes evident owing to a lack of assets; or the loan is 120 days past due unless both well-secured and in the process of collection. For consumer loans, we generally charge down to net realizable value when the loan is 180 days past due.</font></p>
<p style="text-align: justify"><i><font style="font: x-small Arial">Troubled Debt Restructuring (TDRs)</font></i></p>
<p style="text-align: justify"><font style="font: x-small Arial">The Company considers a loan to be a TDR when the debtor experiences financial difficulties and the Company provides concessions such that we will not collect all principal and interest in accordance with the original terms of the loan agreement. Concessions can relate to the contractual interest rate, maturity date, or payment structure of the note. As part of our workout plan for individual loan relationships, we may restructure loan terms to assist borrowers facing challenges in the current economic environment.</font></p>
<p style="text-align: justify"><font style="font: x-small Arial">Our policy with respect to accrual of interest
on loans restructured in a TDR follows relevant supervisory guidance. That is, if a borrower has demonstrated performance under
the previous loan terms and shows capacity to perform under the restructured loan terms; continued accrual of interest at the
restructured interest rate is likely. If a borrower was materially delinquent on payments prior to the restructuring, but shows
capacity to meet the restructured loan terms, the loan will likely continue as nonaccrual going forward. Lastly, if the borrower
does not perform under the restructured terms, the loan is placed on nonaccrual status. We will continue to closely monitor these
loans and will cease accruing interest on them if management believes that the borrowers may not continue performing based on
the restructured note terms. If, after previously being classified as a TDR, a loan is restructured a second time and the borrower
continues to experience financial difficulties, then that loan is automatically placed on nonaccrual status. Our policy with respect
to nonperforming loans requires the borrower to make a minimum of six consecutive payments of principal and interest in accordance
with the loan terms before that loan can be placed back on accrual status. Further, the borrower must show capacity to continue
performing into the future prior to restoration of accrual status. In addition, our policy, in accordance with supervisory guidance,
also provides for a loan to be removed from TDR status if the loan is modified or renewed at terms consistent with current market
rates and the loan has been performing under modified terms for an extended period of time or under certain circumstances.</font></p>



<p style="text-align: justify"><font style="font: x-small Arial">In the determination of the allowance for loan losses, management considers TDRs on commercial and consumer loans and subsequent defaults in these restructurings by measuring impairment, on a loan by loan basis, based on either the present value of expected future cash flows discounted at the loan's effective interest rate, the loan's obtainable market price, or the fair value of the collateral, less costs to sell, if the loan is collateral dependent.</font></p>
<p style="text-align: justify"><i><font style="font: x-small Arial">Allowance for Loan Losses</font></i></p>
<p style="text-align: justify"><font style="font: x-small Arial">The allowance for loan losses is management&#8217;s estimate of credit losses inherent in the loan portfolio. The allowance for loan losses is established as losses are estimated to have occurred through a provision for loan losses charged to earnings. Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. The allowance for loan losses is evaluated on a regular basis by management and is based upon management&#8217;s periodic review of the collectability of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower&#8217;s ability to repay, the estimated value of any underlying collateral and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available.</font></p>
<p style="text-align: justify"><font style="font: x-small Arial">We have an established process to determine the adequacy of the allowance for loan losses that assesses the losses inherent in our portfolio. While we attribute portions of the allowance to specific portfolio segments, the entire allowance is available to absorb credit losses inherent in the total loan portfolio. Our process involves procedures to appropriately consider the unique risk characteristics of our commercial and consumer loan portfolio segments. For each portfolio segment, impairment is measured individually for each impaired loan. Our allowance levels are influenced by loan volume, loan grade or delinquency status, historic loss experience and other economic conditions. See Note 4 to the Consolidated Financial Statements for additional information on the allowance for loan losses.</font></p>
<p style="text-align: justify"><i><font style="font: x-small Arial">Other Real Estate Owned</font></i></p>
<p style="text-align: justify"><font style="font: x-small Arial">Real estate acquired through foreclosure is initially recorded at the lower of cost or estimated fair value less selling costs. Subsequent to the date of acquisition, it is carried at the lower of cost or fair value, adjusted for net selling costs. Fair values of real estate owned are reviewed regularly and write-downs are recorded when it is determined that the carrying value of real estate exceeds the fair value less estimated costs to sell. Costs relating to the development and improvement of such property are capitalized, whereas those costs relating to holding the property are expensed.</font></p>
<p style="text-align: justify"><i><font style="font: x-small Arial">Property and Equipment</font></i></p>
<p style="text-align: justify"><font style="font: x-small Arial">Property and equipment are stated at cost. Major repairs are charged to operations, while major improvements are capitalized. Depreciation is computed using the straight-line method over the estimated useful lives of the related assets. Upon retirement, sale, or other disposition of property and equipment, the cost and accumulated depreciation are eliminated from the accounts, and gain or loss is included in income from operations.</font></p>
<p style="text-align: justify"><font style="font: x-small Arial">Construction in progress is stated at cost, which includes the cost of construction and other direct costs attributable to the construction. No provision for depreciation is made on construction in progress until such time as the relevant assets are completed and put into use.</font></p>
<p style="text-align: justify"><i><font style="font: x-small Arial">Bank Owned Life Insurance Policies</font></i></p>
<p style="text-align: justify"><font style="font: x-small Arial">Bank owned life insurance policies represent the cash value of policies on certain officers of the Company.</font></p>
<p style="text-align: justify"><i><font style="font: x-small Arial">Comprehensive Income</font></i></p>
<p style="text-align: justify"><font style="font: x-small Arial">Comprehensive income (loss) consists of net
income and net unrealized gains (losses) on securities and is presented in the statements of shareholders&#8217; equity and comprehensive
income. The statement requires only additional disclosures in the consolidated financial statements; it does not affect our results
of operations.</font></p>



<p style="text-align: justify"><i><font style="font: x-small Arial">Revenue from Contracts with Customers</font></i></p>

<p style="text-align: justify"><font style="font: x-small Arial">The Company records revenue from contracts with customers in accordance with Accounting Standards Codification Topic 606, &#8220;Revenue from Contracts with Customers&#8221; (&#8220;Topic 606&#8221;). Under Topic 606, the Company must identify the contract with a customer, identify the performance obligations in the contract, determine the transaction price, allocate the transaction price to the performance obligations in the contract, and recognize revenue when (or as) the Company satisfies a performance obligation. Significant revenue has not been recognized in the current reporting period that results from performance obligations satisfied in previous periods.</font></p>

<p style="text-align: justify"><font style="font: x-small Arial">The Company&#8217;s primary sources of revenue are derived from interest and dividends earned on loans, investment securities, and other financial instruments that are not within the scope of Topic 606. The Company has evaluated the nature of its contracts with customers and determined that further disaggregation of revenue from contracts with customers into more granular categories beyond what is presented in the Consolidated Statements of Income was not necessary. The Company generally fully satisfies its performance obligations on its contracts with customers as services are rendered and the transaction prices are typically fixed; charged either on a periodic basis or based on activity. Our accounting policies did not change materially since the principles of revenue recognition from Topic 606 are largely consistent with existing guidance and current practices applied by our business. The following is a discussion of revenues within the scope of the guidance:</font></p>

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   <td style="padding-left: 15pt; padding-right: 8pt; vertical-align: top; width: 1%"><font style="font-size: 9.5pt">&#9679;</font></td>

   <td style="vertical-align: top; width: 99%"><i><font style="font: x-small Arial">Service fees on deposit accounts </font></i><font style="font: x-small Arial">- The Company earns fees from its deposit clients for various transaction-based, account maintenance, and overdraft or non-sufficient funds (&#8220;NSF&#8221;) services. Transaction-based fees, which include services such as stop payment charges, statement rendering, and ACH fees, are recognized at the time the transaction is executed as that is the point in time the Company fulfills the client's request. Account maintenance fees, which relate primarily to monthly maintenance and account management, are earned over the course of a month, representing the period over which the Company satisfies the performance obligation. Overdraft and NSF fees are recognized at the point in time that the overdraft occurs or the NSF item is presented. Service charges on deposits are withdrawn from the client's account balance.</font></td></tr>

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   <td style="padding-left: 15pt; padding-right: 8pt; vertical-align: top">&#160;</td>
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   <td style="padding-left: 15pt; padding-right: 8pt; vertical-align: top; width: 1%"><font style="font-size: 9.5pt">&#9679;</font></td>

   <td style="vertical-align: top; width: 99%"><i><font style="font: x-small Arial">ATM and debit card income </font></i><font style="font: x-small Arial">- The Company earns interchange fees from debit cardholder transactions conducted through the payment networks. Interchange fees from cardholder transactions represent a percentage of the underlying transaction value and are recognized daily, concurrently with the transaction processing services provided to the cardholder.</font></td></tr></table>

<p style="text-align: justify"><i><font style="font: x-small Arial">Income Taxes</font></i></p>

<p style="text-align: justify"><font style="font: x-small Arial">The financial statements have been prepared on the accrual basis. When income and expenses are recognized in different periods for financial reporting purposes versus for the purposes of computing income taxes currently payable, deferred taxes are provided on such temporary differences. Deferred tax assets and liabilities are recognized for the expected future tax consequences of events that have been recognized in the consolidated financial statements or tax returns. Deferred tax assets and liabilities are measured using the enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be realized or settled. The Company believes that its income tax filing positions taken or expected to be taken on its tax returns will more likely than not be sustained upon audit by the taxing authorities and does not anticipate any adjustments that will result in a material adverse impact on the Company&#8217;s financial condition, results of operations, or cash flow. Therefore, no reserves for uncertain income tax positions have been recorded. The Company&#8217;s federal and state income tax returns are open and subject to examination from the 2016 tax return year and forward.</font></p>

<p style="text-align: justify"><font style="font: x-small Arial">On December 22, 2017, the Tax Act was signed into law and includes numerous provisions that impact the Company, most notably a reduction in the corporate tax rate from the maximum rate of 35% to a flat rate of 21%. As a result, the Company recorded an incremental income tax expense of $2.4 million in the fourth quarter of 2017.</font></p>

<p style="text-align: justify"><i><font style="font: x-small Arial">Stock-Based Compensation</font></i></p>

<p style="text-align: justify"><font style="font: x-small Arial">The Company has a stock-based employee compensation
plan. Compensation cost is recognized for all stock options granted and for any outstanding unvested awards as if the fair value
method had been applied to those awards as of the date of grant.</font></p>

<p style="text-align: justify"><i><font style="font: x-small Arial">Adoption of New Accounting Standards</font></i></p>

<p style="text-align: justify"><font style="font: x-small Arial">In February 2016, the FASB issued ASU No. 2016-02, </font><i><font style="font: x-small Arial">&#8220;Leases (Topic 842)&#8221;</font></i><font style="font: x-small Arial">. The guidance in the update supersedes the requirements in ASC Topic 840, Leases. The guidance is intended to increase transparency and comparability among organizations by recognizing right-of-use (&#8220;ROU&#8221;) assets and lease liabilities on the balance sheet. For public companies, this update was effective for interim and annual periods beginning after December 15, 2018. The Company adopted this guidance in the first quarter of 2019. Upon adoption, the Company elected a practical expedient which allows existing leases to retain their classification as operating leases. The Company has also elected to not recognize right-of-use assets and lease liabilities arising from short-term leases. Implementation of the guidance resulted in the recording of a right-of-use asset and lease liability on the balance sheet; however it does not have a material impact on the Company's other consolidated financial statements. See additional disclosures in Note 7.</font></p>

<p style="text-align: justify"><i><font style="font: x-small Arial">Newly Issued, But Not yet Effective Accounting Standards</font></i></p>

<p style="text-align: justify"><font style="font: x-small Arial">In June 2016, the FASB issued ASU 2016-13, </font><i><font style="font: x-small Arial">&#8220;Financial Instruments &#8211; Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments&#8221;</font></i><font style="font: x-small Arial">. Among other things, ASU 2016-13 requires the measurement of all expected credit losses for financial assets held at the reporting date based on historical experience, current conditions, and reasonable and supportable forecasts. Financial institutions and other organizations will now use forward-looking information to form their credit loss estimates. Many of the loss estimation techniques applied today will still be permitted, although the inputs to those techniques will change to reflect the full amount of expected credit losses. In addition, ASU 2016-13 amends the accounting for credit losses on debt securities and purchased financial assets with credit deterioration. ASU 2016-13 was originally effective for all annual and interim periods beginning after December 31, 2019, with early adoption permitted for fiscal years beginning after December 15, 2018. Adoption will be applied through a cumulative-effect adjustment to retained earnings as of the beginning of the first reporting period in which the guidance is effective. The Company has established a team of individuals from credit, finance and risk management to evaluate the requirements of the new standard and the impact it will have on its processes.</font></p>

<p style="text-align: justify"><font style="font: x-small Arial">In November 2019, the FASB issued guidance that addresses issues raised by stakeholders during the implementation of ASU 2016-13, </font><i><font style="font: x-small Arial">&#8220;Financial Instruments &#8211; Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments&#8221;</font></i><font style="font: x-small Arial">. The amendments affect a variety of Topics in the Accounting Standards Codification. For public business entities that meet the definition of a smaller reporting company, such as the Company, the amendments are effective for fiscal years beginning after December 15, 2022 including interim periods within those fiscal years. Early adoption is permitted in any interim period as long as the Company has adopted to amendments in ASU 2016-13. Currently, the Company does not expect to adopt the ASU before the effective period.</font></p>

<p style="text-align: justify"><font style="font: x-small Arial">Other accounting standards that have been issued or proposed by the FASB or other standards-setting bodies that do not require adoption until a future date are not expected to have a material impact on the consolidated financial statements upon adoption.</font></p></div><span></span>
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6931999488">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>CONSOLIDATED STATEMENTS OF INCOME - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2019</div></th>
<th class="th"><div>Dec. 31, 2018</div></th>
<th class="th"><div>Dec. 31, 2017</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestAndDividendIncomeOperatingAbstract', window );"><strong>Interest income</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestAndFeeIncomeLoansAndLeases', window );">Loans</a></td>
<td class="nump">$ 88,929<span></span>
</td>
<td class="nump">$ 73,718<span></span>
</td>
<td class="nump">$ 58,808<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestAndDividendIncomeSecurities', window );">Investment securities</a></td>
<td class="nump">2,101<span></span>
</td>
<td class="nump">1,801<span></span>
</td>
<td class="nump">1,617<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestIncomeFederalFundsSold', window );">Federal funds sold and interest-bearing deposits with banks</a></td>
<td class="nump">1,622<span></span>
</td>
<td class="nump">1,138<span></span>
</td>
<td class="nump">784<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestAndDividendIncomeOperating', window );">Total interest income</a></td>
<td class="nump">92,652<span></span>
</td>
<td class="nump">76,657<span></span>
</td>
<td class="nump">61,209<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpenseAbstract', window );"><strong>Interest expense</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpenseDeposits', window );">Deposits</a></td>
<td class="nump">23,730<span></span>
</td>
<td class="nump">14,836<span></span>
</td>
<td class="nump">7,373<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpenseBorrowings', window );">Borrowings</a></td>
<td class="nump">1,653<span></span>
</td>
<td class="nump">1,669<span></span>
</td>
<td class="nump">2,960<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpense', window );">Total interest expense</a></td>
<td class="nump">25,383<span></span>
</td>
<td class="nump">16,505<span></span>
</td>
<td class="nump">10,333<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestIncomeExpenseNet', window );">Net interest income</a></td>
<td class="nump">67,269<span></span>
</td>
<td class="nump">60,152<span></span>
</td>
<td class="nump">50,876<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses', window );">Provision for loan losses</a></td>
<td class="nump">2,300<span></span>
</td>
<td class="nump">1,900<span></span>
</td>
<td class="nump">2,000<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss', window );">Net interest income after provision for loan losses</a></td>
<td class="nump">64,969<span></span>
</td>
<td class="nump">58,252<span></span>
</td>
<td class="nump">48,876<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestIncomeAbstract', window );"><strong>Noninterest income</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RevenueFromContractWithCustomerIncludingAssessedTax', window );">Mortgage banking income</a></td>
<td class="nump">9,923<span></span>
</td>
<td class="nump">5,544<span></span>
</td>
<td class="nump">5,152<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_ServiceFeesonDepositAccounts', window );">Service fees on deposit accounts</a></td>
<td class="nump">1,061<span></span>
</td>
<td class="nump">1,040<span></span>
</td>
<td class="nump">1,168<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_AtmAndDebitCardIncome', window );">ATM and debit card income</a></td>
<td class="nump">1,728<span></span>
</td>
<td class="nump">1,490<span></span>
</td>
<td class="nump">1,172<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_BankOwnedLifeInsuranceIncome', window );">Income from bank owned life insurance</a></td>
<td class="nump">1,001<span></span>
</td>
<td class="nump">878<span></span>
</td>
<td class="nump">811<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GainOnSaleOfInvestments', window );">Gain on sale of investment securities, net</a></td>
<td class="nump">727<span></span>
</td>
<td class="nump">7<span></span>
</td>
<td class="nump">4<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_LossOnExtinguishmentOfDebt', window );">Loss on extinguishment of debt</a></td>
<td class="num">(1,496)<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestIncomeOther', window );">Other income</a></td>
<td class="nump">2,039<span></span>
</td>
<td class="nump">1,242<span></span>
</td>
<td class="nump">1,030<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestIncome', window );">Total noninterest income</a></td>
<td class="nump">14,983<span></span>
</td>
<td class="nump">10,201<span></span>
</td>
<td class="nump">9,337<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestExpenseAbstract', window );"><strong>Noninterest expenses</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LaborAndRelatedExpense', window );">Compensation and benefits</a></td>
<td class="nump">29,025<span></span>
</td>
<td class="nump">25,561<span></span>
</td>
<td class="nump">21,791<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OccupancyNet', window );">Occupancy</a></td>
<td class="nump">5,527<span></span>
</td>
<td class="nump">5,049<span></span>
</td>
<td class="nump">4,121<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InformationTechnologyAndDataProcessing', window );">Outside service and data processing costs</a></td>
<td class="nump">4,187<span></span>
</td>
<td class="nump">3,302<span></span>
</td>
<td class="nump">3,158<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalDepositInsuranceCorporationPremiumExpense', window );">Insurance</a></td>
<td class="nump">813<span></span>
</td>
<td class="nump">1,284<span></span>
</td>
<td class="nump">1,146<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProfessionalFees', window );">Professional fees</a></td>
<td class="nump">1,699<span></span>
</td>
<td class="nump">1,574<span></span>
</td>
<td class="nump">1,362<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_MarketingExpense', window );">Marketing</a></td>
<td class="nump">941<span></span>
</td>
<td class="nump">856<span></span>
</td>
<td class="nump">737<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherNoninterestExpense', window );">Other</a></td>
<td class="nump">2,281<span></span>
</td>
<td class="nump">2,137<span></span>
</td>
<td class="nump">2,237<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestExpense', window );">Total noninterest expenses</a></td>
<td class="nump">44,473<span></span>
</td>
<td class="nump">39,763<span></span>
</td>
<td class="nump">34,552<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest', window );">Income before income tax expense</a></td>
<td class="nump">35,479<span></span>
</td>
<td class="nump">28,690<span></span>
</td>
<td class="nump">23,661<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Income tax expense</a></td>
<td class="nump">7,621<span></span>
</td>
<td class="nump">6,401<span></span>
</td>
<td class="nump">10,616<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income available to common shareholders</a></td>
<td class="nump">$ 27,858<span></span>
</td>
<td class="nump">$ 22,289<span></span>
</td>
<td class="nump">$ 13,045<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareAbstract', window );"><strong>Earnings per common share</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareBasic', window );">Basic</a></td>
<td class="nump">$ 3.70<span></span>
</td>
<td class="nump">$ 3.02<span></span>
</td>
<td class="nump">$ 1.86<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareDiluted', window );">Diluted</a></td>
<td class="nump">$ 3.58<span></span>
</td>
<td class="nump">$ 2.88<span></span>
</td>
<td class="nump">$ 1.76<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_WeightedAverageNumberOfSharesOutstandingAbstract', window );"><strong>Weighted average common shares outstanding</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic', window );">Basic</a></td>
<td class="nump">7,528,283<span></span>
</td>
<td class="nump">7,384,200<span></span>
</td>
<td class="nump">7,005,703<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding', window );">Diluted</a></td>
<td class="nump">7,772,544<span></span>
</td>
<td class="nump">7,737,495<span></span>
</td>
<td class="nump">7,393,377<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_AtmAndDebitCardIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>ATM and debit card income.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_AtmAndDebitCardIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_LossOnExtinguishmentOfDebt">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Loss on extinguishment of debt.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_LossOnExtinguishmentOfDebt</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_ServiceFeesonDepositAccounts">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Includes amounts charged depositors for: (1) maintenance of their accounts (maintenance charges); (2) failure to maintain specified minimum balances on account; (3) exceeding the number of checks or transactions allowed to be processed in a given period; (4) checks drawn on no minimum balance deposit accounts; (5) withdrawals from nontransaction deposit accounts; (6) closing savings accounts before a specified minimum period of time has elapsed; (7) accounts which have remained inactive for extended periods of time or which have become dormant; (8) use of automated teller machines or remote service units; (9) checks drawn against insufficient funds that the bank assesses regardless of whether it decides to pay, return or hold the check; (10) issuing stop payment orders; (11) certifying checks; and (12) accumulating or disbursing funds deposited in IRAs or Keogh Plan accounts when not handled by the bank's trust department. This item does not include penalties assessed on the early withdrawal of time deposits.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_ServiceFeesonDepositAccounts</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BankOwnedLifeInsuranceIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Earnings on or other increases in the value of the cash surrender value of bank owned life insurance policies.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.13)<br> -URI http://asc.fasb.org/extlink&amp;oid=116637391&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BankOwnedLifeInsuranceIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EarningsPerShareAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareBasic">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of net income (loss) for the period per each share of common stock or unit outstanding during the reporting period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(19))<br> -URI http://asc.fasb.org/extlink&amp;oid=116637232&amp;loc=SL114874131-224263<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 7<br> -URI http://asc.fasb.org/extlink&amp;oid=117326831&amp;loc=d3e1337-109256<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 55<br> -Paragraph 52<br> -URI http://asc.fasb.org/extlink&amp;oid=117327953&amp;loc=d3e4984-109258<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(21))<br> -URI http://asc.fasb.org/extlink&amp;oid=116634182&amp;loc=SL114868664-224227<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=109234566&amp;loc=d3e22694-107794<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=117326831&amp;loc=d3e1252-109256<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(23))<br> -URI http://asc.fasb.org/extlink&amp;oid=116637391&amp;loc=SL114874048-224260<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 60B<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=117326831&amp;loc=SL5780133-109256<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EarningsPerShareBasic</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareDiluted">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 55<br> -Paragraph 52<br> -URI http://asc.fasb.org/extlink&amp;oid=117327953&amp;loc=d3e4984-109258<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=117326831&amp;loc=d3e1252-109256<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(23))<br> -URI http://asc.fasb.org/extlink&amp;oid=116637391&amp;loc=SL114874048-224260<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=109234566&amp;loc=d3e22694-107794<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 7<br> -URI http://asc.fasb.org/extlink&amp;oid=117326831&amp;loc=d3e1337-109256<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(21))<br> -URI http://asc.fasb.org/extlink&amp;oid=116634182&amp;loc=SL114868664-224227<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 60B<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=117326831&amp;loc=SL5780133-109256<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(19))<br> -URI http://asc.fasb.org/extlink&amp;oid=116637232&amp;loc=SL114874131-224263<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EarningsPerShareDiluted</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalDepositInsuranceCorporationPremiumExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of expense for Federal Deposit Insurance Corporation (FDIC) insurance.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.14)<br> -URI http://asc.fasb.org/extlink&amp;oid=116637391&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FederalDepositInsuranceCorporationPremiumExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GainOnSaleOfInvestments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The difference between the carrying value and the sale price of an investment.  A gain would be recognized when the sale price of the investment is greater than the carrying value of the investment.  This element refers to the Gain included in earnings and not to the cash proceeds of the sale.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(3)(a))<br> -URI http://asc.fasb.org/extlink&amp;oid=116637232&amp;loc=SL114874131-224263<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=118932676&amp;loc=d3e3602-108585<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(13))<br> -URI http://asc.fasb.org/extlink&amp;oid=116637391&amp;loc=SL114874048-224260<br><br>Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(b)(9)(a))<br> -URI http://asc.fasb.org/extlink&amp;oid=116634182&amp;loc=SL114868664-224227<br><br>Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(b)(7)(c))<br> -URI http://asc.fasb.org/extlink&amp;oid=116634182&amp;loc=SL114868664-224227<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_GainOnSaleOfInvestments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of income (loss) from continuing operations, including income (loss) from equity method investments, before deduction of income tax expense (benefit), and income (loss) attributable to noncontrolling interest.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 940<br> -SubTopic 20<br> -Section 25<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=68072869&amp;loc=d3e41242-110953<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(10))<br> -URI http://asc.fasb.org/extlink&amp;oid=116634182&amp;loc=SL114868664-224227<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(8))<br> -URI http://asc.fasb.org/extlink&amp;oid=116637232&amp;loc=SL114874131-224263<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=109234566&amp;loc=d3e22694-107794<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(15))<br> -URI http://asc.fasb.org/extlink&amp;oid=116637391&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxExpenseBenefit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 22<br> -Subparagraph (h)<br> -URI http://asc.fasb.org/extlink&amp;oid=115929826&amp;loc=d3e8736-108599<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(h))<br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 20<br> -Section 45<br> -Paragraph 2<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=109238882&amp;loc=d3e38679-109324<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeTaxExpenseBenefit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InformationTechnologyAndDataProcessing">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of expenses incurred in the period for information technology and data processing products and services.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03.6)<br> -URI http://asc.fasb.org/extlink&amp;oid=116634182&amp;loc=SL114868664-224227<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InformationTechnologyAndDataProcessing</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestAndDividendIncomeOperating">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.1-5)<br> -URI http://asc.fasb.org/extlink&amp;oid=116637391&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestAndDividendIncomeOperating</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestAndDividendIncomeOperatingAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestAndDividendIncomeOperatingAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestAndDividendIncomeSecurities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of operating dividend and interest income, including amortization and accretion of premiums and discounts, on securities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestAndDividendIncomeSecurities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestAndFeeIncomeLoansAndLeases">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.1)<br> -URI http://asc.fasb.org/extlink&amp;oid=116637391&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestAndFeeIncomeLoansAndLeases</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of the cost of borrowed funds accounted for as interest expense.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 835<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=6450988&amp;loc=d3e26243-108391<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 835<br> -SubTopic 30<br> -Section 45<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=114775744&amp;loc=d3e28555-108399<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 22<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=115929826&amp;loc=d3e8736-108599<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (210.5-03(11))<br> -URI http://asc.fasb.org/extlink&amp;oid=116634182&amp;loc=SL114868664-224227<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.9)<br> -URI http://asc.fasb.org/extlink&amp;oid=116637391&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestExpenseAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestExpenseAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestExpenseBorrowings">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Aggregate amount of interest expense on all borrowings.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.7,8)<br> -URI http://asc.fasb.org/extlink&amp;oid=116637391&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestExpenseBorrowings</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Aggregate amount of interest expense on all deposits.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.6)<br> -URI http://asc.fasb.org/extlink&amp;oid=116637391&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestExpenseDeposits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
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</tr>
<tr>
<td><strong> Period Type:</strong></td>
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</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.12)<br> -URI http://asc.fasb.org/extlink&amp;oid=116637391&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
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</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestIncomeExpenseNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The net amount of operating interest income (expense).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.10)<br> -URI http://asc.fasb.org/extlink&amp;oid=116637391&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestIncomeExpenseNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
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</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestIncomeFederalFundsSold">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Interest income on federal funds sold. Federal funds sold represent the excess federal funds held by one commercial bank which it lends to another commercial bank, usually at an agreed-upon (federal funds) rate of interest. Such loans generally are of short-duration (overnight).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.4)<br> -URI http://asc.fasb.org/extlink&amp;oid=116637391&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestIncomeFederalFundsSold</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LaborAndRelatedExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of expense for salary, wage, profit sharing; incentive and equity-based compensation; and other employee benefit.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(b)(4))<br> -URI http://asc.fasb.org/extlink&amp;oid=116634182&amp;loc=SL114868664-224227<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LaborAndRelatedExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_MarketingExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Expenditures for planning and executing the conception, pricing, promotion, and distribution of ideas, goods, and services. Costs of public relations and corporate promotions are typically considered to be marketing costs.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03.4)<br> -URI http://asc.fasb.org/extlink&amp;oid=116634182&amp;loc=SL114868664-224227<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_MarketingExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1A<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=118930883&amp;loc=SL7669619-108580<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(22))<br> -URI http://asc.fasb.org/extlink&amp;oid=116637391&amp;loc=SL114874048-224260<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1B<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=118930883&amp;loc=SL7669625-108580<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(18))<br> -URI http://asc.fasb.org/extlink&amp;oid=116637232&amp;loc=SL114874131-224263<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(20))<br> -URI http://asc.fasb.org/extlink&amp;oid=116634182&amp;loc=SL114868664-224227<br><br>Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -URI http://asc.fasb.org/extlink&amp;oid=118932676&amp;loc=d3e3602-108585<br><br>Reference 7: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetIncomeLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NoninterestExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Total aggregate amount of all noninterest expense.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.14)<br> -URI http://asc.fasb.org/extlink&amp;oid=116637391&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NoninterestExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NoninterestExpenseAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NoninterestExpenseAbstract</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NoninterestIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.13)<br> -URI http://asc.fasb.org/extlink&amp;oid=116637391&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NoninterestIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
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</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NoninterestIncomeAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NoninterestIncomeAbstract</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NoninterestIncomeOther">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Represents the total of noninterest income derived from certain activities and assets including (for example): (1) venture capital investments; (2) bank owned life insurance; (3) foreign currency transactions; and (4) mortgage servicing rights.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.13)<br> -URI http://asc.fasb.org/extlink&amp;oid=116637391&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NoninterestIncomeOther</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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</tr>
<tr>
<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OccupancyNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.14(b))<br> -URI http://asc.fasb.org/extlink&amp;oid=116637391&amp;loc=SL114874048-224260<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03.6)<br> -URI http://asc.fasb.org/extlink&amp;oid=116634182&amp;loc=SL114868664-224227<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 840<br> -SubTopic 30<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=84164817&amp;loc=d3e45280-112737<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OccupancyNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherNoninterestExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of noninterest expense classified as other.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.14)<br> -URI http://asc.fasb.org/extlink&amp;oid=116637391&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherNoninterestExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProfessionalFees">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>A fee charged for services from professionals such as doctors, lawyers and accountants. The term is often expanded to include other professions, for example, pharmacists charging to maintain a medicinal profile of a client or customer.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 946<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-07.2(a),(b),(c),(d))<br> -URI http://asc.fasb.org/extlink&amp;oid=116637345&amp;loc=SL114874292-224272<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 946<br> -SubTopic 220<br> -Section 45<br> -Paragraph 3<br> -Subparagraph (k)<br> -URI http://asc.fasb.org/extlink&amp;oid=118262090&amp;loc=SL114874205-224268<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProfessionalFees</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (c)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=118936363&amp;loc=SL6953423-111524<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.11)<br> -URI http://asc.fasb.org/extlink&amp;oid=116637391&amp;loc=SL114874048-224260<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=118932676&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProvisionForLoanLeaseAndOtherLosses</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RevenueFromContractWithCustomerIncludingAssessedTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount, including tax collected from customer, of revenue from satisfaction of performance obligation by transferring promised good or service to customer. Tax collected from customer is tax assessed by governmental authority that is both imposed on and concurrent with specific revenue-producing transaction, including, but not limited to, sales, use, value-added and excise.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 606<br> -SubTopic 10<br> -Section 50<br> -Paragraph 5<br> -URI http://asc.fasb.org/extlink&amp;oid=118956577&amp;loc=SL49130545-203045<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 606<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=118956577&amp;loc=SL49130543-203045<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RevenueFromContractWithCustomerIncludingAssessedTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 16<br> -URI http://asc.fasb.org/extlink&amp;oid=117326831&amp;loc=d3e1505-109256<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_WeightedAverageNumberOfSharesOutstandingAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_WeightedAverageNumberOfSharesOutstandingAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 10<br> -URI http://asc.fasb.org/extlink&amp;oid=117326831&amp;loc=d3e1448-109256<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_WeightedAverageNumberOfSharesOutstandingBasic</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6915240016">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Loans and Allowance for Loan Losses (Details 6) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
<th class="th"><div>Dec. 31, 2018</div></th>
<th class="th"><div>Dec. 31, 2017</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_SummeryOfNonperformingAssetsAbstract', window );"><strong>Summary of nonperforming assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_NonaccruingTroubledDebtRestructurings', window );">Nonaccruing troubled debt restructurings</a></td>
<td class="nump">$ 4,111<span></span>
</td>
<td class="nump">$ 2,541<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_NonaccrualLoansIncludingNonaccruingTroubledDebtRestructurings', window );">Total nonaccrual loans, including nonaccruing TDRs</a></td>
<td class="nump">6,794<span></span>
</td>
<td class="nump">5,830<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherRealEstate', window );">Other real estate owned</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">$ 242<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_NonaccrualLoansAndOtherRealEstate', window );">Total nonperforming assets</a></td>
<td class="nump">$ 6,794<span></span>
</td>
<td class="nump">$ 5,830<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_NonperformingAssetsInRelativePercentageAbstract', window );"><strong>Nonperforming assets as a percentage of:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_NonperformingAssetsAsPercentageOfAssets', window );">Total assets</a></td>
<td class="nump">0.30%<span></span>
</td>
<td class="nump">0.31%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_NonperformingAssetsAsPercentageOfGrossLoans', window );">Gross loans</a></td>
<td class="nump">0.35%<span></span>
</td>
<td class="nump">0.35%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_LoansOverNinetyDaysPastDue', window );">Total loans over 90 days past due</a></td>
<td class="nump">$ 2,038<span></span>
</td>
<td class="nump">$ 458<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing', window );">Loans over 90 days past due and still accruing</a></td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_AccruingTroubledDebtRestructurings', window );">Accruing TDRs</a></td>
<td class="nump">5,219<span></span>
</td>
<td class="nump">6,742<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_CommercialLoanMember', window );">Commercial [Member] | Owner occupied RE [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_SummeryOfNonperformingAssetsAbstract', window );"><strong>Summary of nonperforming assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_NonaccruingTroubledDebtRestructurings', window );">Nonaccruing troubled debt restructurings</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_CommercialLoanMember', window );">Commercial [Member] | Non-owner occupied RE [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_SummeryOfNonperformingAssetsAbstract', window );"><strong>Summary of nonperforming assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_NonaccruingTroubledDebtRestructurings', window );">Nonaccruing troubled debt restructurings</a></td>
<td class="nump">188<span></span>
</td>
<td class="nump">210<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_CommercialLoanMember', window );">Commercial [Member] | Business [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_SummeryOfNonperformingAssetsAbstract', window );"><strong>Summary of nonperforming assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_NonaccruingTroubledDebtRestructurings', window );">Nonaccruing troubled debt restructurings</a></td>
<td class="nump">235<span></span>
</td>
<td class="nump">81<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_CommercialLoanMember', window );">Commercial [Member] | Construction [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_SummeryOfNonperformingAssetsAbstract', window );"><strong>Summary of nonperforming assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_NonaccruingTroubledDebtRestructurings', window );">Nonaccruing troubled debt restructurings</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember', window );">Consumer [Member] | Other [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_SummeryOfNonperformingAssetsAbstract', window );"><strong>Summary of nonperforming assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_NonaccruingTroubledDebtRestructurings', window );">Nonaccruing troubled debt restructurings</a></td>
<td class="text"> <span></span>
</td>
<td class="nump">12<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember', window );">Consumer [Member] | Construction [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_SummeryOfNonperformingAssetsAbstract', window );"><strong>Summary of nonperforming assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_NonaccruingTroubledDebtRestructurings', window );">Nonaccruing troubled debt restructurings</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember', window );">Consumer [Member] | Real estate [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_SummeryOfNonperformingAssetsAbstract', window );"><strong>Summary of nonperforming assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_NonaccruingTroubledDebtRestructurings', window );">Nonaccruing troubled debt restructurings</a></td>
<td class="nump">1,829<span></span>
</td>
<td class="nump">1,980<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember', window );">Consumer [Member] | Home equity [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_SummeryOfNonperformingAssetsAbstract', window );"><strong>Summary of nonperforming assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_NonaccruingTroubledDebtRestructurings', window );">Nonaccruing troubled debt restructurings</a></td>
<td class="nump">$ 431<span></span>
</td>
<td class="nump">$ 1,006<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_AccruingTroubledDebtRestructurings">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Accruing troubled debt restructurings.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_AccruingTroubledDebtRestructurings</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_LoansOverNinetyDaysPastDue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Loans over ninety days past due.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_LoansOverNinetyDaysPastDue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_NonaccrualLoansAndOtherRealEstate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Total nonperforming assets consist of nonaccrual loans and other Real Estate.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_NonaccrualLoansAndOtherRealEstate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_NonaccrualLoansIncludingNonaccruingTroubledDebtRestructurings">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Recorded investment in financing receivables that are on nonaccrual status as of the balance sheet date.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_NonaccrualLoansIncludingNonaccruingTroubledDebtRestructurings</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_NonaccruingTroubledDebtRestructurings">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Nonaccruing troubled debt restructurings.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_NonaccruingTroubledDebtRestructurings</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_NonperformingAssetsAsPercentageOfAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Nonperforming assets as a percentage of Assets.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_NonperformingAssetsAsPercentageOfAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_NonperformingAssetsAsPercentageOfGrossLoans">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Nonperforming assets as a percentage of Gross loans.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_NonperformingAssetsAsPercentageOfGrossLoans</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_NonperformingAssetsInRelativePercentageAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Nonperforming assets in relative percentage.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_NonperformingAssetsInRelativePercentageAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_SummeryOfNonperformingAssetsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_SummeryOfNonperformingAssetsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of financing receivable 90 days or more past due and still accruing.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 16<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=119407570&amp;loc=SL82919258-210447<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 7<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=118936363&amp;loc=d3e5111-111524<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 55<br> -Paragraph 80<br> -URI http://asc.fasb.org/extlink&amp;oid=118955255&amp;loc=SL82922355-210448<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherRealEstate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Carrying amount of other real estate not separately disclosed, including, but not limited to, real estate investments, real estate loans that qualify as investments in real estate, and premises that are no longer used in operations may also be included in real estate owned. This does not include real estate assets taken in settlement of troubled loans through surrender or foreclosure.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.10(4))<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherRealEstate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=us-gaap_CommercialLoanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_CommercialLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongtermDebtTypeAxis=sfst_OwnerOccupiedReMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LongtermDebtTypeAxis=sfst_OwnerOccupiedReMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongtermDebtTypeAxis=sfst_NonOwnerOccupiedReMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LongtermDebtTypeAxis=sfst_NonOwnerOccupiedReMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
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</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongtermDebtTypeAxis=sfst_BusinessLoanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LongtermDebtTypeAxis=sfst_BusinessLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConstructionLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConstructionLoansMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongtermDebtTypeAxis=sfst_OtherConsumerMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LongtermDebtTypeAxis=sfst_OtherConsumerMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_RealEstateLoanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_RealEstateLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
<td></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_HomeEquityLoanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_HomeEquityLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6915080960">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Earnings Per Common Share (Details Textual) - shares<br></strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2019</div></th>
<th class="th"><div>Dec. 31, 2018</div></th>
<th class="th"><div>Dec. 31, 2017</div></th>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareAbstract', window );"><strong>Earnings per common share</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount', window );">Antidilutive securities excluded from computation of earnings per share, amount</a></td>
<td class="nump">94,885<span></span>
</td>
<td class="nump">195,425<span></span>
</td>
<td class="nump">107,015<span></span>
</td>
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</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Period Type:</strong></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EarningsPerShareAbstract</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<td>na</td>
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<td><strong> Period Type:</strong></td>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>86
<FILENAME>R92.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6932279184">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Fair Value Accounting (Details 2)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2019</div></th></tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByAssetClassAxis=sfst_OtherRealEstateOwnedMember', window );">Other Real Estate Owned [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_FairValueMeasurementsRecurringAndNonrecurringValuationTechniquesAbstract', window );"><strong>Schedule of unobservable inputs used in the fair value measurements</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_FairValueOfMeasurementsValuationTechniques', window );">Valuation Technique</a></td>
<td class="text">Appraised Value/Comparable Sales<span></span>
</td>
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<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_FairValueOfMeasurementsSignificantAssumptions', window );">Significant Unobservable Inputs</a></td>
<td class="text">Discounts to appraisals for estimated holding or selling costs<span></span>
</td>
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<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByAssetClassAxis=sfst_ImpairedLoansMember', window );">Impaired Loans [Member]</a></td>
<td class="text">&#160;<span></span>
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</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_FairValueMeasurementsRecurringAndNonrecurringValuationTechniquesAbstract', window );"><strong>Schedule of unobservable inputs used in the fair value measurements</strong></a></td>
<td class="text">&#160;<span></span>
</td>
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<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_FairValueOfMeasurementsValuationTechniques', window );">Valuation Technique</a></td>
<td class="text">Appraised Value/Discounted Cash Flows<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_FairValueOfMeasurementsSignificantAssumptions', window );">Significant Unobservable Inputs</a></td>
<td class="text">Discounts to appraisals or cash flows for estimated holding and/or selling costs or age of appraisal<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_srt_RangeAxis=srt_MinimumMember', window );">Minimum [Member] | Other Real Estate Owned [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_FairValueMeasurementsRecurringAndNonrecurringValuationTechniquesAbstract', window );"><strong>Schedule of unobservable inputs used in the fair value measurements</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_FairValueAssumptionsRangeOfInputs', window );">Range of Inputs</a></td>
<td class="nump">0.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_srt_RangeAxis=srt_MinimumMember', window );">Minimum [Member] | Impaired Loans [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_FairValueMeasurementsRecurringAndNonrecurringValuationTechniquesAbstract', window );"><strong>Schedule of unobservable inputs used in the fair value measurements</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_FairValueAssumptionsRangeOfInputs', window );">Range of Inputs</a></td>
<td class="nump">0.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_srt_RangeAxis=srt_MaximumMember', window );">Maximum [Member] | Other Real Estate Owned [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_FairValueMeasurementsRecurringAndNonrecurringValuationTechniquesAbstract', window );"><strong>Schedule of unobservable inputs used in the fair value measurements</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_FairValueAssumptionsRangeOfInputs', window );">Range of Inputs</a></td>
<td class="nump">25.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_srt_RangeAxis=srt_MaximumMember', window );">Maximum [Member] | Impaired Loans [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_FairValueMeasurementsRecurringAndNonrecurringValuationTechniquesAbstract', window );"><strong>Schedule of unobservable inputs used in the fair value measurements</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_FairValueAssumptionsRangeOfInputs', window );">Range of Inputs</a></td>
<td class="nump">25.00%<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_FairValueAssumptionsRangeOfInputs">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Fair value assumptions range of inputs.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_FairValueAssumptionsRangeOfInputs</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_FairValueMeasurementsRecurringAndNonrecurringValuationTechniquesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_FairValueMeasurementsRecurringAndNonrecurringValuationTechniquesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_FairValueOfMeasurementsSignificantAssumptions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Description of significant assumptions used by management to measure fair value.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_FairValueOfMeasurementsSignificantAssumptions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_FairValueOfMeasurementsValuationTechniques">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Description of the inputs and valuation technique(s) used to measure fair value.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_FairValueOfMeasurementsValuationTechniques</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueByAssetClassAxis=sfst_OtherRealEstateOwnedMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueByAssetClassAxis=sfst_OtherRealEstateOwnedMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueByAssetClassAxis=sfst_ImpairedLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueByAssetClassAxis=sfst_ImpairedLoansMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_RangeAxis=srt_MinimumMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_RangeAxis=srt_MinimumMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_RangeAxis=srt_MaximumMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_RangeAxis=srt_MaximumMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>87
<FILENAME>R62.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6812381648">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Loans and Allowance for Loan Losses (Details 2) - Commercial [Member] - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
<th class="th"><div>Dec. 31, 2018</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract', window );"><strong>Outstanding commercial and consumer loans which include loans on nonaccrual status</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentCurrent', window );">Current</a></td>
<td class="nump">$ 1,296,466<span></span>
</td>
<td class="nump">$ 1,128,472<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">30-59 days past due</a></td>
<td class="nump">1,035<span></span>
</td>
<td class="nump">153<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_FinancingReceivableRecordedInvestmentPastDueOne', window );">60-89 days past due</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_FinancingReceivableRecordedInvestmentPastDueTwo', window );">Greater than 90 days</a></td>
<td class="nump">837<span></span>
</td>
<td class="nump">80<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableBeforeFeesGross', window );">Total commercial loans</a></td>
<td class="nump">1,298,338<span></span>
</td>
<td class="nump">1,128,705<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_CommercialLoanMember', window );">Business [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract', window );"><strong>Outstanding commercial and consumer loans which include loans on nonaccrual status</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentCurrent', window );">Current</a></td>
<td class="nump">307,710<span></span>
</td>
<td class="nump">272,864<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">30-59 days past due</a></td>
<td class="nump">178<span></span>
</td>
<td class="nump">36<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_FinancingReceivableRecordedInvestmentPastDueOne', window );">60-89 days past due</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_FinancingReceivableRecordedInvestmentPastDueTwo', window );">Greater than 90 days</a></td>
<td class="nump">235<span></span>
</td>
<td class="nump">80<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableBeforeFeesGross', window );">Total commercial loans</a></td>
<td class="nump">308,123<span></span>
</td>
<td class="nump">272,980<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_CommercialLoanMember', window );">Non-owner occupied RE [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract', window );"><strong>Outstanding commercial and consumer loans which include loans on nonaccrual status</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentCurrent', window );">Current</a></td>
<td class="nump">501,676<span></span>
</td>
<td class="nump">404,179<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">30-59 days past due</a></td>
<td class="nump">151<span></span>
</td>
<td class="nump">117<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_FinancingReceivableRecordedInvestmentPastDueOne', window );">60-89 days past due</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_FinancingReceivableRecordedInvestmentPastDueTwo', window );">Greater than 90 days</a></td>
<td class="nump">51<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableBeforeFeesGross', window );">Total commercial loans</a></td>
<td class="nump">501,878<span></span>
</td>
<td class="nump">404,296<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_CommercialLoanMember', window );">Owner occupied RE [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract', window );"><strong>Outstanding commercial and consumer loans which include loans on nonaccrual status</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentCurrent', window );">Current</a></td>
<td class="nump">406,594<span></span>
</td>
<td class="nump">367,018<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">30-59 days past due</a></td>
<td class="nump">706<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_FinancingReceivableRecordedInvestmentPastDueOne', window );">60-89 days past due</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_FinancingReceivableRecordedInvestmentPastDueTwo', window );">Greater than 90 days</a></td>
<td class="nump">551<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableBeforeFeesGross', window );">Total commercial loans</a></td>
<td class="nump">407,851<span></span>
</td>
<td class="nump">367,018<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_CommercialLoanMember', window );">Construction [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract', window );"><strong>Outstanding commercial and consumer loans which include loans on nonaccrual status</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentCurrent', window );">Current</a></td>
<td class="nump">80,486<span></span>
</td>
<td class="nump">84,411<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">30-59 days past due</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_FinancingReceivableRecordedInvestmentPastDueOne', window );">60-89 days past due</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_FinancingReceivableRecordedInvestmentPastDueTwo', window );">Greater than 90 days</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableBeforeFeesGross', window );">Total commercial loans</a></td>
<td class="nump">$ 80,486<span></span>
</td>
<td class="nump">$ 84,411<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_FinancingReceivableRecordedInvestmentPastDueOne">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing receivable recorded investment past due one.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_FinancingReceivableRecordedInvestmentPastDueOne</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_FinancingReceivableRecordedInvestmentPastDueTwo">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing receivable recorded investment past due two.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_FinancingReceivableRecordedInvestmentPastDueTwo</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentCurrent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of financing receivable not past due.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 55<br> -Paragraph 80<br> -URI http://asc.fasb.org/extlink&amp;oid=118955255&amp;loc=SL82922355-210448<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 14<br> -URI http://asc.fasb.org/extlink&amp;oid=119407570&amp;loc=SL82919253-210447<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentCurrent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of financing receivable past due.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 55<br> -Paragraph 80<br> -URI http://asc.fasb.org/extlink&amp;oid=118955255&amp;loc=SL82922355-210448<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 14<br> -URI http://asc.fasb.org/extlink&amp;oid=119407570&amp;loc=SL82919253-210447<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 7A<br> -URI http://asc.fasb.org/extlink&amp;oid=118936363&amp;loc=SL6953401-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentPastDue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableBeforeFeesGross">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount, before allowance and fees, of loans and leases receivable. Excludes loans and leases covered under loss sharing agreements.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=118952595&amp;loc=d3e4428-111522<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LoansAndLeasesReceivableBeforeFeesGross</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=us-gaap_CommercialLoanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_CommercialLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongtermDebtTypeAxis=sfst_BusinessLoanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LongtermDebtTypeAxis=sfst_BusinessLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongtermDebtTypeAxis=sfst_NonOwnerOccupiedReMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LongtermDebtTypeAxis=sfst_NonOwnerOccupiedReMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongtermDebtTypeAxis=sfst_OwnerOccupiedReMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LongtermDebtTypeAxis=sfst_OwnerOccupiedReMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongtermDebtTypeAxis=us-gaap_ConstructionLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LongtermDebtTypeAxis=us-gaap_ConstructionLoansMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>88
<FILENAME>R102.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6676488032">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Related Party Transactions (Details) - Directors Affiliates and Executive Officers [Member] - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2019</div></th>
<th class="th"><div>Dec. 31, 2018</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_SummaryOfLoanTransactionsAbstract', window );"><strong>Summary of loan transactions with directors, including their affiliates and executive officers</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_LoanTransactionsWithRelatedParty', window );">Balance, beginning of year</a></td>
<td class="nump">$ 13,969<span></span>
</td>
<td class="nump">$ 15,276<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_NewLoans', window );">New loans</a></td>
<td class="nump">6,709<span></span>
</td>
<td class="nump">5,686<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_LoanPaymentsRelatedParty', window );">Less loan payments</a></td>
<td class="num">(9,787)<span></span>
</td>
<td class="num">(6,993)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_LoanTransactionsWithRelatedParty', window );">Balance, end of year</a></td>
<td class="nump">$ 10,891<span></span>
</td>
<td class="nump">$ 13,969<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_LoanPaymentsRelatedParty">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Loan payments by related party.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_LoanPaymentsRelatedParty</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_LoanTransactionsWithRelatedParty">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Loan transactions with related party.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_LoanTransactionsWithRelatedParty</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_NewLoans">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>New loans.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_NewLoans</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_SummaryOfLoanTransactionsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_SummaryOfLoanTransactionsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis=sfst_DirectorsAffiliatesAndExecutiveOfficersMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RelatedPartyTransactionsByRelatedPartyAxis=sfst_DirectorsAffiliatesAndExecutiveOfficersMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>89
<FILENAME>R106.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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</head>
<body>
<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6710877776">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Stock-Based Compensation (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2019</div></th>
<th class="th"><div>Dec. 31, 2018</div></th>
<th class="th"><div>Dec. 31, 2017</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract', window );"><strong>Share-based Payment Arrangement [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockOptionPlanExpense', window );">Stock option expense</a></td>
<td class="nump">$ 1,270<span></span>
</td>
<td class="nump">$ 1,183<span></span>
</td>
<td class="nump">$ 959<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_AmortizationOfDeferredCompensationOnRestrictedStock', window );">Restricted stock grant expense</a></td>
<td class="nump">428<span></span>
</td>
<td class="nump">319<span></span>
</td>
<td class="nump">299<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EmployeeBenefitsAndShareBasedCompensation', window );">Total stock-based compensation expense</a></td>
<td class="nump">$ 1,698<span></span>
</td>
<td class="nump">$ 1,502<span></span>
</td>
<td class="nump">$ 1,258<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_AmortizationOfDeferredCompensationOnRestrictedStock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Represents the value for amortization of deferred compensation on restricted stock.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_AmortizationOfDeferredCompensationOnRestrictedStock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EmployeeBenefitsAndShareBasedCompensation">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of expense for employee benefit and equity-based compensation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EmployeeBenefitsAndShareBasedCompensation</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockOptionPlanExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of noncash expense for option under share-based payment arrangement.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=118932676&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StockOptionPlanExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>90
<FILENAME>R24.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6811817776">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Income Taxes<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2019</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxDisclosureAbstract', window );"><strong>Income Tax Disclosure [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxDisclosureTextBlock', window );">Income Taxes</a></td>
<td class="text"><div><p style="text-align: justify"><b><font style="font: x-small Arial">NOTE 17 &#8211; Income Taxes</font></b></p>

<p style="text-align: justify"><font style="font: x-small Arial">The components of income tax expense were as follows:</font></p>

<table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 100%">



<tr style="vertical-align: bottom">
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td colspan="8" style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td></tr>
<tr style="vertical-align: bottom">

   <td style="width: 85%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="8" style="border-bottom: Black 1pt solid; width: 14%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">For the years ended December 31,</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 85%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">(dollars in thousands)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2019</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2018</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2017</font></b></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 85%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Current income taxes:</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 85%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Federal</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;$</font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">6,791</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">5,536</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,139</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 85%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">State</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,250</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">990</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">573</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 85%; white-space: nowrap; text-align: left; padding-left: 30pt"><font style="font: x-small Arial">Total current tax expense</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">8,041</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">6,526</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,712</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; width: 85%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Deferred income tax expense (benefit)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(420</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(125</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,904</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1.5pt solid; padding-left: 15pt; width: 85%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Income tax expense</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,621</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">6,401</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">10,616</font></td></tr></table>


<p style="text-align: justify"><font style="font: x-small Arial">The following is a summary of the items that caused recorded income taxes to differ from taxes computed using the statutory tax rate:</font></p>

<table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 100%">



<tr style="vertical-align: bottom">
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td colspan="8" style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td></tr>
<tr style="vertical-align: bottom">

   <td style="width: 84%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="8" style="border-bottom: Black 1pt solid; width: 14%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">For the years ended December 31,</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 84%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">(dollars in thousands)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160;</td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2019</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2018</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2017</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 84%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Tax expense at statutory rate</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;$</font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,451</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">6,025</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">8,281</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 84%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Effect of state income taxes, net of federal benefit</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">987</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">782</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">372</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 84%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Exempt income</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(26</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(34</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(146</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 84%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Effect of change in federal tax rate</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,441</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 84%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Effect of stock-based compensation</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(693</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(248</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(2</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 84%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Other</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(98</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(124</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(330</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1.5pt solid; padding-left: 30pt; width: 84%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Income tax expense</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,621</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">6,401</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">10,616</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td></tr></table>


<p style="text-align: justify"><font style="font: x-small Arial">Income tax expense for the year ended December 31, 2017 was impacted by the adjustment of our deferred tax assets and liabilities related to the reduction in the U.S. federal statutory income tax rate to 21% under the Tax Act, which was enacted on December 22, 2017. As a result of the new law, we recognized a provisional net tax expense totaling $2.4 million, as noted in the table above.</font></p>

<p style="text-align: justify"><font style="font: x-small Arial">The components of the deferred tax assets and liabilities are as follows:</font></p>

<table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 100%">



<tr style="vertical-align: bottom">
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td colspan="4" style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td></tr>
<tr style="vertical-align: bottom">

   <td style="width: 95%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="4" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">December 31,</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 95%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">(dollars in thousands)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2019</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2018</font></b></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 95%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Deferred tax assets:</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 95%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Allowance for loan losses</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3,495</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3,310</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 95%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Unrealized loss on securities available for sale</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">79</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">244</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 95%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Net deferred loan fees</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">697</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">592</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 95%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Deferred compensation</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,404</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,280</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 95%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Sale of real estate owned</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">128</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 95%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Lease liabilities</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4,219</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 95%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Other</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">234</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">130</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; width: 95%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">10,128</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">5,684</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 95%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Deferred tax liabilities:</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 95%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Property and equipment</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,398</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,433</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 95%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Hedging transactions</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">227</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">112</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 95%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Prepaid expenses</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">132</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">107</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 95%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Right-of-use assets</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4,096</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"><font style="font: x-small Arial">-</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 95%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Other</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">12</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 95%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">5,853</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,664</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1.5pt solid; padding-left: 30pt; width: 95%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Net deferred tax asset</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: center"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4,275</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4,020</font></td></tr></table>


<p style="text-align: justify"><font style="font: x-small Arial">The Company has analyzed the tax positions taken or expected to be taken in its tax returns and concluded it has no liability related to uncertain tax positions.</font></p>

</div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for income taxes. Disclosures may include net deferred tax liability or asset recognized in an enterprise's statement of financial position, net change during the year in the total valuation allowance, approximate tax effect of each type of temporary difference and carryforward that gives rise to a significant portion of deferred tax liabilities and deferred tax assets, utilization of a tax carryback, and tax uncertainties information.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -URI http://asc.fasb.org/topic&amp;trid=2144680<br></p></div>
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6811817776">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Derivative Financial Instruments<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2019</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract', window );"><strong>Derivative Instruments and Hedging Activities Disclosure [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock', window );">Derivative Financial Instruments</a></td>
<td class="text"><div><p style="text-align: left"><b><font style="font: x-small Arial">NOTE 13 &#8211; Derivative Financial Instruments</font></b></p>
<p style="text-align: justify"><font style="font: x-small Arial">The Company utilizes derivative financial instruments primarily to hedge its exposure to changes in interest rates. All derivative financial instruments are recognized as either assets or liabilities and measured at fair value. The Company accounts for all of its derivatives as free-standing derivatives and does not designate any of these instruments for hedge accounting. Therefore, the gain or loss resulting from the change in the fair value of the derivative is recognized in the Company&#8217;s statement of income during the period of change.</font></p>
<p style="text-align: justify"><font style="font: x-small Arial">The Company enters into commitments to originate
residential mortgage loans held for sale, at specified interest rates and within a specified period of time, with clients who
have applied for a loan and meet certain credit and underwriting criteria (interest rate lock commitments). These interest rate
lock commitments (&#8220;IRLCs&#8221;) meet the definition of a derivative financial instrument and are reflected in the balance
sheet at fair value with changes in fair value recognized in current period earnings. Unrealized gains and losses on the IRLCs
are recorded as derivative assets and derivative liabilities, respectively, and are measured based on the value of the underlying
mortgage loan, quoted mortgage-backed securities (&#8220;MBS&#8221;) prices and an estimate of the probability that the mortgage
loan will fund within the terms of the interest rate lock commitment, net of estimated commission expenses.</font></p>


<p style="text-align: justify"><font style="font: x-small Arial">The Company manages the interest rate and price risk associated with its outstanding IRLCs and mortgage loans held for sale by entering into derivative instruments such as forward sales of MBS. Management expects these derivatives will experience changes in fair value opposite to changes in fair value of the IRLCs and mortgage loans held for sale, thereby reducing earnings volatility. The Company takes into account various factors and strategies in determining the portion of the mortgage pipeline (IRLCs and mortgage loans held for sale) it wants to economically hedge.</font></p>
<p style="text-align: justify"><font style="font: x-small Arial">The following table summarizes the Company&#8217;s outstanding financial derivative instruments at December 31, 2019 and December 31, 2018.</font></p>
<table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse">

<tr style="vertical-align: bottom">
   <td style="width: 91%; white-space: nowrap; text-align: left; border-top: #000000 1.5pt solid"></td>
   <td style="width: 1%; white-space: nowrap; text-align: left; border-top: #000000 1.5pt solid"></td>
   <td colspan="7" style="width: 7%; white-space: nowrap; text-align: right; border-top: #000000 1.5pt solid">&#160;&#160;</td>
   <td style="width: 1%; white-space: nowrap; text-align: left; border-top: #000000 1.5pt solid"></td></tr>
<tr style="vertical-align: bottom">
   <td style="width: 91%; white-space: nowrap; text-align: left"></td>
   <td style="width: 1%; white-space: nowrap; text-align: left"></td>
   <td colspan="7" style="width: 7%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"><b><font style="font: xx-small Arial">December 31, 2019</font></b></td>
   <td style="width: 1%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid"></td></tr>
<tr style="vertical-align: bottom">
   <td style="width: 91%; white-space: nowrap; text-align: left"></td>
   <td style="width: 1%; white-space: nowrap; text-align: left"></td>
   <td colspan="2" style="width: 2%; white-space: nowrap; text-align: left"></td>
   <td style="width: 1%; white-space: nowrap; text-align: left"></td>
   <td style="width: 1%; white-space: nowrap; text-align: left"></td>
   <td style="width: 1%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid"></td>
   <td colspan="2" style="width: 2%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"><b><font style="font: xx-small Arial">Fair Value</font></b></td>
   <td style="width: 1%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid"></td></tr>
<tr style="vertical-align: bottom">
   <td style="width: 91%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid"><font style="font: xx-small Arial">(dollars in thousands)</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid">&#160;&#160;&#160;&#160;&#160;</td>
   <td colspan="2" style="width: 2%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"><b><font style="font: xx-small Arial">Notional</font></b></td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid">&#160;&#160;&#160;&#160;&#160;</td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"><b><font style="font: xx-small Arial">Balance Sheet Location</font></b></td>
   <td style="width: 1%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid">&#160;&#160;&#160;&#160;&#160;</td>
   <td colspan="2" style="width: 2%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"><b><font style="font: xx-small Arial">Asset/(Liability)</font></b></td>
   <td style="width: 1%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid"></td></tr>
<tr style="vertical-align: bottom; background-color: Silver">
   <td style="width: 91%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Mortgage loan interest rate lock commitments</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">26,446</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">Other assets</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;$</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">344</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>
<tr style="vertical-align: bottom">
   <td style="width: 91%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid"><font style="font: x-small Arial">MBS forward sales commitments</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"><font style="font: x-small Arial">20,500</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">Other liabilities</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"><font style="font: x-small Arial">(39</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid"><font style="font: x-small Arial">)</font></td></tr>
<tr style="vertical-align: bottom; background-color: Silver">
   <td style="width: 91%; white-space: nowrap; text-align: left; border-bottom: #000000 1.5pt solid"><font style="font: x-small Arial">Total derivative financial instruments</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1.5pt solid"><font style="font: x-small Arial"></font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1.5pt solid"><font style="font: x-small Arial">$</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1.5pt solid"><font style="font: x-small Arial">46,946</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: left; border-bottom: #000000 1.5pt solid"></td>
   <td style="width: 1%; white-space: nowrap; text-align: left; border-bottom: #000000 1.5pt solid"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1.5pt solid"><font style="font: x-small Arial"></font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1.5pt solid"><font style="font: x-small Arial">$</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1.5pt solid"><font style="font: x-small Arial">305</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: left; border-bottom: #000000 1.5pt solid"></td></tr></table> <br />

<table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse">

<tr style="vertical-align: bottom">
   <td style="width: 91%; white-space: nowrap; text-align: left"></td>
   <td style="width: 1%; white-space: nowrap; text-align: left"></td>
   <td colspan="7" style="width: 7%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">December 31, 2018</font></b></td>
   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>
<tr style="vertical-align: bottom">
   <td style="width: 91%; white-space: nowrap; text-align: left"></td>
   <td style="width: 1%; white-space: nowrap; text-align: left"></td>
   <td colspan="2" style="width: 2%; white-space: nowrap; text-align: left"></td>
   <td style="width: 1%; white-space: nowrap; text-align: left"></td>
   <td style="width: 1%; white-space: nowrap; text-align: left"></td>
   <td style="width: 1%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid"></td>
   <td colspan="2" style="width: 2%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"><b><font style="font: xx-small Arial">Fair Value</font></b></td>
   <td style="width: 1%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid"></td></tr>
<tr style="vertical-align: bottom">
   <td style="width: 91%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid"></td>
   <td style="width: 1%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid">&#160;&#160;&#160;&#160;&#160;</td>
   <td colspan="2" style="width: 2%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"><b><font style="font: xx-small Arial">Notional</font></b></td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid">&#160;&#160;&#160;&#160;&#160;</td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"><b><font style="font: xx-small Arial">Balance Sheet Location</font></b></td>
   <td style="width: 1%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid">&#160;&#160;&#160;&#160;&#160;</td>
   <td colspan="2" style="width: 2%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"><b><font style="font: xx-small Arial">Asset/(Liability)</font></b></td>
   <td style="width: 1%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid"></td></tr>
<tr style="vertical-align: bottom; background-color: Silver">
   <td style="width: 91%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Mortgage loan interest rate lock commitments</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;&#160;&#160;&#160;&#160;$</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">20,552</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">Other assets</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;$</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">345</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>
<tr style="vertical-align: bottom">
   <td style="width: 91%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid"><font style="font: x-small Arial">MBS forward sales commitments</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"><font style="font: x-small Arial">11,750</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">Other liabilities</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"><font style="font: x-small Arial">(121</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid"><font style="font: x-small Arial">)</font></td></tr>
<tr style="vertical-align: bottom; background-color: Silver">
   <td style="width: 91%; white-space: nowrap; text-align: left; border-bottom: #000000 1.5pt solid"><font style="font: x-small Arial">Total derivative financial instruments</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1.5pt solid"><font style="font: x-small Arial"></font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1.5pt solid"><font style="font: x-small Arial">$</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1.5pt solid"><font style="font: x-small Arial">32,302</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: left; border-bottom: #000000 1.5pt solid"></td>
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   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1.5pt solid"><font style="font: x-small Arial">224</font></td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for derivative instruments and hedging activities including, but not limited to, risk management strategies, non-hedging derivative instruments, assets, liabilities, revenue and expenses, and methodologies and assumptions used in determining the amounts.</p></div>
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6920496176">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Stock-Based Compensation<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2019</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract', window );"><strong>Share-based Payment Arrangement [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock', window );">Stock-Based Compensation</a></td>
<td class="text"><div><p style="text-align: justify"><b><font style="font: x-small Arial">NOTE 21 &#8211; Stock-Based Compensation</font></b></p>

<p style="text-align: justify"><font style="font: x-small Arial">Compensation cost is recognized for stock options and restricted stock awards issued to employees and non-employee directors. Compensation cost is measured as the fair value of these awards on their date of grant. A Black-Scholes model is utilized to estimate the fair value of stock options, while the market price of the Company&#8217;s common stock at the date of grant is used as the fair value of restricted stock awards. Compensation cost is recognized over the required service period, generally defined as the vesting period for stock option and restricted stock awards.</font></p>

<p style="text-align: justify"><font style="font: x-small Arial">The Company&#8217;s stock incentive programs are long-term retention programs intended to attract, retain, and provide incentives for key employees and non-employee directors in the form of incentive and non-qualified stock options and restricted stock.</font></p>

<p style="text-align: justify"><font style="font: x-small Arial">Stock-based compensation expense was recorded as follows:</font></p>

<table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse">



<tr style="vertical-align: bottom">
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td colspan="6" style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td></tr>
<tr style="vertical-align: bottom">

   <td style="width: 87%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="6" style="border-bottom: Black 1pt solid; width: 12%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">For the years ended December 31,</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 87%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">(dollars in thousands)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2019</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160;&#160;</td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2018</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160;&#160;</td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2017</font></b></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 87%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Stock option expense</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;&#160;$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,270</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,183</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">959</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 87%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Restricted stock grant expense</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">428</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">319</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">299</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1.5pt solid; width: 87%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total stock-based compensation expense</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,698</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,502</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,258</font></td></tr></table>


<p style="text-align: justify"><b><font style="font: x-small Arial">Stock Options<br /></font></b><font style="font: x-small Arial">On May 18, 2010, the Company adopted the 2010 Incentive Plan, making available for issuance 366,025 stock options (adjusted for the 10% stock dividends in 2013, 2012, and 2011). The options may be exercised at an exercise price per share based on the fair market value and determined on the date of grant and expire 10 years from the grant date. On May 20, 2014, the Company amended the 2010 Incentive Plan to add an additional 200,000 shares of common stock to be issuable as stock options, for a total of 566,025 shares. As of December 31, 2019, there were 9,275 options available for grant under the 2010 Incentive Plan.</font></p>

<p style="text-align: justify"><font style="font: x-small Arial">On May 17, 2016, the Company adopted the 2016
Equity Incentive Plan, making available for issuance 400,000 stock options. The options may be exercised at an exercise price
per share based on the fair market value and determined on the date of grant and expire 10 years from the grant date. As of December
31, 2019, there were 174,715 options available for grant under the 2016 Equity Incentive Plan.</font></p>



<p style="text-align: justify"><font style="font: x-small Arial">A summary of the status of the stock option plan and changes for the period is presented below:</font></p>

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   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right; width: 1%">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right; width: 1%">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right; width: 1%">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right; width: 1%">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right; width: 1%">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%">&#160;</td></tr>

<tr style="vertical-align: bottom">

   <td style="text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td colspan="23" style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">For the years ended December 31,</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2019</font></b></td>

   <td style="white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2018</font></b></td>

   <td style="white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2017</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Weighted</font></b></td>

   <td style="white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Weighted</font></b></td>

   <td style="white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Weighted</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td colspan="2" style="white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Weighted</font></b></td>

   <td style="white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Average</font></b></td>

   <td style="white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td colspan="2" style="white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Weighted</font></b></td>

   <td style="white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Average</font></b></td>

   <td style="white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td colspan="2" style="white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Weighted</font></b></td>

   <td style="white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Average</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td colspan="2" style="white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">average</font></b></td>

   <td style="white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Remaining</font></b></td>

   <td style="white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td colspan="2" style="white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">average</font></b></td>

   <td style="white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Remaining</font></b></td>

   <td style="white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td colspan="2" style="white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">average</font></b></td>

   <td style="white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Remaining</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td colspan="2" style="white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">exercise</font></b></td>

   <td style="white-space: nowrap; text-align: right">&#160;</td>

   <td style="white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Contractual</font></b></td>

   <td style="white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td colspan="2" style="white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">exercise</font></b></td>

   <td style="white-space: nowrap; text-align: right">&#160;</td>

   <td style="white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Contractual</font></b></td>

   <td style="white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td colspan="2" style="white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">exercise</font></b></td>

   <td style="white-space: nowrap; text-align: right">&#160;</td>

   <td style="white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Contractual</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Shares</font></b></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right">&#160;</td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">price</font></b></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Life</font></b></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Shares</font></b></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">price</font></b></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Life</font></b></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Shares</font></b></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">price</font></b></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Life</font></b></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="text-align: left"><font style="font: xx-small Arial">Outstanding at beginning of year</font></td>

   <td style="white-space: nowrap; text-align: left">&#160;&#160;&#160;</td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial">648,311</font></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left">&#160;&#160;&#160;</td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial">$</font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial">20.74</font></td>

   <td style="white-space: nowrap; text-align: right">&#160;&#160;&#160;</td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left">&#160;&#160;&#160;</td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial">662,841</font></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left">&#160;&#160;&#160;</td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial">$</font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial">15.70</font></td>

   <td style="white-space: nowrap; text-align: right">&#160;&#160;&#160;</td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left">&#160;&#160;&#160;</td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial">642,203</font></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left">&#160;&#160;&#160;</td>

   <td style="white-space: nowrap; text-align: right; text-align: right"><font style="font: xx-small Arial">$</font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial">11.77</font></td>

   <td style="white-space: nowrap; text-align: right">&#160;&#160;&#160;</td>

   <td style="white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="text-align: left; padding-left: 15pt"><font style="font: xx-small Arial">Granted</font></td>

   <td style="white-space: nowrap; text-align: left"><font style="font: xx-small Arial"></font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial">101,350</font></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial">32.81</font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial"></font></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial">94,700</font></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial">43.13</font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial"></font></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial">110,950</font></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial">35.34</font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial"></font></td>

   <td style="white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="text-align: left; padding-left: 15pt"><font style="font: xx-small Arial">Exercised</font></td>

   <td style="white-space: nowrap; text-align: left"><font style="font: xx-small Arial"></font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial">(191,497</font></td>

   <td style="white-space: nowrap; text-align: left"><font style="font: xx-small Arial">)</font></td>

   <td style="white-space: nowrap; text-align: left"><font style="font: xx-small Arial"></font></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial">9.24</font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial"></font></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial">(105,630</font></td>

   <td style="white-space: nowrap; text-align: left"><font style="font: xx-small Arial">)</font></td>

   <td style="white-space: nowrap; text-align: left"><font style="font: xx-small Arial"></font></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial">8.51</font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial"></font></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial">(74,437</font></td>

   <td style="white-space: nowrap; text-align: left"><font style="font: xx-small Arial">)</font></td>

   <td style="white-space: nowrap; text-align: left"><font style="font: xx-small Arial"></font></td>

   <td style="white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial">9.48</font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial"></font></td>

   <td style="white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; padding-left: 15pt; text-align: left"><font style="font: xx-small Arial">Forfeited or expired</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><font style="font: xx-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: xx-small Arial">(16,750</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">)</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><font style="font: xx-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: xx-small Arial">34.01</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: xx-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: xx-small Arial">(3,600</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">)</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><font style="font: xx-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: xx-small Arial">40.03</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: xx-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: xx-small Arial">(15,875</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">)</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><font style="font: xx-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: xx-small Arial">23.49</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: xx-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; text-align: left"><font style="font: xx-small Arial">Outstanding at end of year</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><font style="font: xx-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: xx-small Arial">541,414</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: xx-small Arial">$</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: xx-small Arial">26.65</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: xx-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: xx-small Arial">6.3 years</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: xx-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: xx-small Arial">648,311</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: xx-small Arial">$</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: xx-small Arial">20.74</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: xx-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: xx-small Arial">5.6 years</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: xx-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: xx-small Arial">662,841</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; text-align: right"><font style="font: xx-small Arial">$</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: xx-small Arial">15.70</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: xx-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: xx-small Arial">5.6 years</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="text-align: left"><font style="font: xx-small Arial">Options exercisable at year-end</font></td>

   <td style="white-space: nowrap; text-align: left"><font style="font: xx-small Arial"></font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial">305,991</font></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial">$</font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial">20.00</font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial"></font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial">4.9 years</font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial"></font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial">404,851</font></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial">$</font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial">12.58</font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial"></font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial">4.0 years</font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial"></font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial">419,766</font></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: right; text-align: right"><font style="font: xx-small Arial">$</font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial">9.20</font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial"></font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial">4.1 years</font></td></tr>


<tr style="vertical-align: bottom; background-color: Silver">

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   <td style="white-space: nowrap; text-align: left"><font style="font: xx-small Arial"></font></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial">&#160;&#160;&#160;&#160;$</font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial">11.81</font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial"></font></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial">&#160;&#160;&#160;&#160;$</font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial">16.76</font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial"></font></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: right; text-align: right"><font style="font: xx-small Arial">&#160;&#160;&#160;&#160;$</font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial">14.14</font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial"></font></td>

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<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1.5pt solid; text-align: left"><font style="font: xx-small Arial">Shares available for grant</font></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"><font style="font: xx-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><font style="font: xx-small Arial">183,990</font></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><font style="font: xx-small Arial">270,090</font></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><font style="font: xx-small Arial">359,690</font></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></td></tr>


</table>


<p style="text-align: justify"><font style="font: x-small Arial">The aggregate intrinsic value (the difference between the Company&#8217;s closing stock price on the last trading day of the year and the exercise price, multiplied by the number of in-the-money options) of 541,414 and 648,311 stock options outstanding at December 31, 2019 and 2018 was $8.6 million and $8.7 million, respectively. The aggregate intrinsic value of 305,991 and 404,851 stock options exercisable at December 31, 2019 and 2018 was $6.9 million and $8.0 million, respectively.</font></p>

<p style="text-align: justify"><font style="font: x-small Arial">The fair value of the option grant is estimated on the date of grant using the Black-Scholes option-pricing model. The following assumptions were used for grants:</font></p>

<table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse">

<tr style="vertical-align: bottom">
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 94%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2019</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2018</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2017</font></b></td></tr>

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   <td style="width: 94%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Dividend yield</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 94%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Expected life</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7 years</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7 years</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7 years</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

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   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">28.21%</font></td>

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<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1.5pt solid; width: 94%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Risk-free interest rate</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2.59%</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2.50%</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2.04%</font></td></tr>


</table>


<p style="text-align: justify"><font style="font: x-small Arial">At December 31, 2019, there was $2.0 million of total unrecognized compensation cost related to nonvested stock option grants. The cost is expected to be recognized over a weighted-average period of 2.4 years. The fair value of stock option grants that vested during 2019, 2018, and 2017 was $1.2 million, $973,000 and $775,000, respectively.</font></p>

<p style="text-align: justify"><b><font style="font: x-small Arial">Restricted Stock Grants</font></b><br /><font style="font: x-small Arial">On May 17, 2016, the Company adopted the 2016 Equity Incentive Plan which included a provision for the issuance of 50,000 shares of common stock to be issuable as restricted stock grants. As of December 31, 2019, 32,349 shares of restricted stock were available for grant.</font></p>

<p style="text-align: justify"><font style="font: x-small Arial">Shares of restricted stock granted to employees
under the stock plans are subject to restrictions as to continuous employment for a specified time period following the date of
grant. During this period, the holder is entitled to full voting rights and dividends.</font></p>


<p style="text-align: justify"><font style="font: x-small Arial">A summary of the status of the Company&#8217;s nonvested restricted stock and changes for the years ended December 31, 2019, 2018, and 2017 is as follows:</font></p>


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<tr style="vertical-align: bottom">
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   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
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   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td></tr>


<tr style="vertical-align: bottom">

   <td style="width: 82%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="17" style="border-bottom: Black 1pt solid; width: 17%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">December 31,</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 82%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2019</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2018</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2017</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 82%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Weighted</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Weighted</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Weighted</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 82%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Average</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Average</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Average</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 82%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Restricted</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Grant-Date</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: center"><b><font style="font: xx-small Arial">Restricted</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Grant-Date</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Restricted</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Grant-Date</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 82%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Shares</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Fair Value</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Shares</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Fair Value</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Shares</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Fair Value</font></b></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 82%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Nonvested at beginning of year</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">29,625</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">34.00</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">25,000</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">26.43</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">36,125</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">20.13</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 82%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Granted</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">14,700</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">33.64</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">13,000</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">42.87</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">6,500</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">35.14</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 82%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Vested</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(10,375</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">31.61</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(8,375</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">25.17</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(17,625</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">16.73</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 82%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Forfeited</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(1,125</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">28.03</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1.5pt solid; width: 82%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Nonvested at end of year</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">32,825</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;&#160;&#160;$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">34.78</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">29,625</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;&#160;&#160;&#160;$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">34.00</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">25,000</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;&#160;&#160;&#160;$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">26.43</font></td></tr>


</table>


<p style="text-align: justify"><font style="font: x-small Arial">At December 31, 2019, there was $793,000 of total unrecognized compensation cost related to nonvested restricted stock grants. The cost is expected to be recognized over a weighted-average period of 2.6 years.</font></p></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for share-based payment arrangement.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -URI http://asc.fasb.org/topic&amp;trid=2228938<br></p></div>
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<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Deposits<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<td class="text"><div><p style="text-align: left"><b><font style="font: x-small Arial">NOTE 9 &#8211; Deposits</font></b></p>
<p style="text-align: left"><font style="font: x-small Arial">The following is a detail of the deposit accounts:</font></p>
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<tr style="vertical-align: bottom">
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   <td colspan="4" style="width: 4%; white-space: nowrap; text-align: right; border-top: #000000 1.5pt solid">&#160;</td></tr>
<tr style="vertical-align: bottom">
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   <td style="width: 1%; white-space: nowrap; text-align: right"></td>
   <td colspan="4" style="width: 4%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"><b><font style="font: xx-small Arial">December 31,</font></b></td></tr>
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   <td style="width: 95%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid"><font style="font: xx-small Arial">(dollars in thousands)</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid">&#160;&#160;&#160;&#160;&#160;</td>
   <td colspan="2" style="width: 2%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"><b><font style="font: xx-small Arial">2019</font></b></td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid">&#160;&#160;&#160;&#160;&#160;</td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"><b><font style="font: xx-small Arial">2018</font></b></td></tr>
<tr style="vertical-align: bottom; background-color: Silver">
   <td style="width: 95%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Noninterest bearing</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">397,331</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">346,570</font></td></tr>
<tr style="vertical-align: bottom">
   <td style="width: 95%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Interest bearing:</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: left"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="width: 1%; white-space: nowrap; text-align: left"></td>
   <td style="width: 1%; white-space: nowrap; text-align: left"></td>
   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>
<tr style="vertical-align: bottom; background-color: Silver">
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   <td style="width: 1%; white-space: nowrap; text-align: left"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">228,680</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">186,795</font></td></tr>
<tr style="vertical-align: bottom">
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   <td style="width: 1%; white-space: nowrap; text-align: left"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">898,923</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">730,765</font></td></tr>
<tr style="vertical-align: bottom; background-color: Silver">
   <td style="width: 95%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Savings</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: left"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">16,258</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">15,486</font></td></tr>
<tr style="vertical-align: bottom">
   <td style="width: 95%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Time, less than $100,000</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: left"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">47,941</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">63,073</font></td></tr>
<tr style="vertical-align: bottom; background-color: Silver">
   <td style="border-bottom: #000000 1pt solid; padding-left: 15pt; width: 95%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Time, $100,000 and over</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"><font style="font: x-small Arial">286,991</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"><font style="font: x-small Arial"></font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"><font style="font: x-small Arial">305,447</font></td></tr>
<tr style="vertical-align: bottom">
   <td style="border-bottom: #000000 1.5pt solid; padding-left: 30pt; width: 95%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total deposits</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: left; border-bottom: #000000 1.5pt solid"><font style="font: x-small Arial"></font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1.5pt solid"><font style="font: x-small Arial">$</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1.5pt solid"><font style="font: x-small Arial">1,876,124</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1.5pt solid"><font style="font: x-small Arial"></font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1.5pt solid"><font style="font: x-small Arial">1,648,136</font></td></tr></table>

<p style="text-align: justify"><font style="font: x-small Arial">At December 31, 2019 and 2018, time deposits greater than $250,000 were $220.1 million and $214.0 million, respectively.</font></p>
<p style="text-align: justify"><font style="font: x-small Arial">Also, at December 31, 2019 and 2018, the Company
had approximately $67.4 million and $79.3 million, respectively, of time deposits that were obtained outside of the Company&#8217;s
primary market. Interest expense on time deposits greater than $100,000 was $6.9 million for the year ended December 31, 2019,
$4.7 million for the year ended December 31, 2018, and $2.7 million for the year ended December 31, 2017.</font></p>


<p style="text-align: left"><font style="font: x-small Arial">At December 31, 2019 the scheduled maturities of certificates of deposit are as follows:</font></p>
<table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse">

<tr style="vertical-align: bottom">
   <td style="width: 97%; white-space: nowrap; text-align: left; border-top: #000000 1.5pt solid"><font style="font: xx-small Arial"></font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-top: #000000 1.5pt solid"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-top: #000000 1.5pt solid"></td>
   <td style="width: 1%; white-space: nowrap; text-align: left; border-top: #000000 1.5pt solid">&#160;</td></tr>
<tr style="vertical-align: bottom">
   <td style="border-bottom: Black 1pt solid; width: 97%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">(dollars in thousands)</font></td>
   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160;</td>
   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td></tr>
<tr style="vertical-align: bottom; background-color: Silver">
   <td style="width: 97%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">2020</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">277,342</font></td></tr>
<tr style="vertical-align: bottom">
   <td style="width: 97%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">2021</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">38,528</font></td></tr>
<tr style="vertical-align: bottom; background-color: Silver">
   <td style="width: 97%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">2022</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">10,783</font></td></tr>
<tr style="vertical-align: bottom">
   <td style="width: 97%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">2023</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">6,133</font></td></tr>
<tr style="vertical-align: bottom; background-color: Silver">
   <td style="border-bottom: Black 1px solid; width: 97%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">2024 and after</font></td>
   <td style="border-bottom: Black 1px solid; width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="border-bottom: Black 1px solid; width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="border-bottom: Black 1px solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,146</font></td></tr>
<tr style="vertical-align: bottom">
   <td style="border-bottom: Black 1.5pt solid; width: 97%; white-space: nowrap; text-align: left"></td>
   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>
   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>
   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">334,932</font></td></tr></table></div><span></span>
</td>
</tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for deposit liabilities including data and tables. It may include a description of the entity's deposit liabilities, the aggregate amount of time deposits (including certificates of deposit) in denominations of $100,000 or more at the balance sheet date; the aggregate amount of any demand deposits that have been reclassified as loan balances, such as overdrafts, at the balance sheet date; deposits that are received on terms other than those in the normal course of business, the amount of accrued interest on deposit liabilities; securities, mortgage loans or other financial instruments that serve as collateral for deposits; for time deposits having a remaining term of more than one year, the aggregate amount of maturities for each of the five years following the balance sheet date; and the weighted average interest rate for all deposit liabilities held by the entity.</p></div>
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6920385008">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Troubled Debt Restructurings<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2019</div></th></tr>
<tr class="re">
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<td class="text">&#160;<span></span>
</td>
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<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_TroubledDebtRestructuringTextBlock', window );">Troubled Debt Restructurings</a></td>
<td class="text"><div><p style="text-align: justify"><b><font style="font: x-small Arial">NOTE 5 &#8211; Troubled Debt Restructurings</font></b></p>

<p style="text-align: justify"><font style="font: x-small Arial">At December 31, 2019, we had 19 loans totaling $9.3 million and at December 31, 2018 we had 26 loans totaling $9.3 million, which we considered as TDRs. The Company considers a loan to be a TDR when the debtor experiences financial difficulties and the Company grants a concession to the debtor that it would not normally consider. Concessions can relate to the contractual interest rate, maturity date, or payment structure of the note. As part of our workout plan for individual loan relationships, we may restructure loan terms to assist borrowers facing challenges in the current economic environment. During 2019, we have added one commercial loan totaling $1.8 million as TDRs and removed nine loans from TDR status due to pay-offs or in accordance with our nonperforming loans and TDR policies. To date, we have restored five nonaccrual commercial loans previously classified as TDRs to accrual status.</font></p>

<p style="text-align: justify"><font style="font: x-small Arial">The following table summarizes the concession at the time of modification and the recorded investment in our TDRs before and after their modification.</font></p>

<table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse">



<tr style="vertical-align: bottom">

   <td style="border-top: Black 1.5pt solid; width: 77%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td colspan="7" style="border-top: Black 1.5pt solid; width: 10%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">&#160;</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 77%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td colspan="15" style="border-bottom: Black 1pt solid; width: 22%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b><b><font style="font: xx-small Arial">For the year ended December 31, 2019</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 77%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td colspan="2" style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Pre-</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td colspan="2" style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Post-</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 77%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none">&#160;&#160;&#160;&#160; </td>

   <td colspan="2" style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">modification</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none">&#160;&#160;&#160;&#160; </td>

   <td colspan="2" style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">modification</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 77%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none">&#160;&#160;&#160;&#160; </td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Renewals</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none">&#160;&#160;&#160;&#160; </td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Reduced</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none">&#160;&#160;&#160;&#160; </td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Converted</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Maturity</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none">&#160;&#160;&#160;&#160; </td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Total</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td colspan="2" style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">outstanding</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td colspan="2" style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">outstanding</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 77%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">deemed a</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">or deferred</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">to interest</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none">&#160;&#160;&#160;&#160; </td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">date</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">number</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td colspan="2" style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">recorded</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td colspan="2" style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">recorded</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 77%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">(dollars in thousands)</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">concession</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">payments</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">only</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">extensions</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">of loans</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">investment</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Investment</font></b></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 77%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial">Commercial</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 77%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Business</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;&#160;&#160;&#160; $</font></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,823</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,823</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1.5pt solid; padding-left: 30pt; width: 77%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total loans</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,823</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;&#160;&#160;&#160;&#160;$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,823</font></td></tr>

<tr>

   <td colspan="17" style="width: 100%">&#160; </td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 77%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td colspan="15" style="border-bottom: Black 1pt solid; width: 22%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b><b><font style="font: xx-small Arial">For the year ended December 31, 2018</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 77%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td colspan="2" style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Pre-</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td colspan="2" style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Post-</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 77%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td colspan="2" style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">modification</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td colspan="2" style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">modification</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 77%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Renewals</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Reduced</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Converted</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Maturity</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Total</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td colspan="2" style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">outstanding</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td colspan="2" style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">outstanding</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 77%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">deemed a</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">or deferred</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">to interest</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">date</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">number</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td colspan="2" style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">recorded</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td colspan="2" style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">recorded</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 77%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">concession</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">payments</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">only</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">extensions</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">of loans</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">investment</font></b></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Investment</font></b></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 77%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial">Commercial</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 77%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Owner occupied RE</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">506</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">592</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 77%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Non-owner occupied RE</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,287</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,287</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 77%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Business</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"><font style="font: x-small Arial"></font></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,207</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,532</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 77%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial">Consumer</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; border-width: medium; border-style: none"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; border-width: medium; border-style: none"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 77%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Real estate</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">549</font></td>

   <td style="border-bottom: Black 1pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">669</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1.5pt solid; padding-left: 30pt; width: 77%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total loans</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">8</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3,549</font></td>

   <td style="border-bottom: Black 1.5pt solid; border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-left-style: none; border-left-width: medium; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4,080</font></td></tr></table>


<p style="text-align: justify"><font style="font: x-small Arial">As of December 31, 2019 and 2018 there were
no loans modified as TDRs for which there was a payment default (60 days past due) within 12 months of the restructuring date.</font></p></div><span></span>
</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of the accounting policy for loan agreements whose terms have been modified because of the inability of the borrower for financial reasons to comply with the terms of the original loan agreement. A creditor discloses material facts pertaining to significant modifications.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6933333952">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Reportable Segments (Details Textual)<br></strong></div></th>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NumberOfReportableSegments', window );">Number of segments</a></td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6920479056">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Leases (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2019</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LeasesAbstract', window );"><strong>Leases [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_MaturitiesOfLeaseLiabilitiesTableTextBlock', window );">Maturities of Lease Liabilities</a></td>
<td class="text"><div><p style="text-align: left"><font style="font: x-small Arial">Maturities of lease liabilities as of December 31, 2019 were as follows:</font></p>
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<tr style="vertical-align: bottom">
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   <td style="width: 97%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid"><font style="font: xx-small Arial">(dollars in thousands)</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid">&#160;&#160;&#160;&#160;&#160;</td>
   <td colspan="2" style="width: 2%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"><b><font style="font: xx-small Arial">Operating<br />Leases</font></b></td></tr>
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   <td style="width: 97%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">2020</font></td>
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   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,103</font></td></tr>
<tr style="vertical-align: bottom">
   <td style="width: 97%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">2021</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,152</font></td></tr>
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   <td style="width: 97%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">2022</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,400</font></td></tr>
<tr style="vertical-align: bottom">
   <td style="width: 97%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">2023</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,273</font></td></tr>
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   <td style="width: 97%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">2024</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,305</font></td></tr>
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   <td style="width: 97%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid"><font style="font: x-small Arial">Thereafter</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"><font style="font: x-small Arial">17,404</font></td></tr>
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   <td style="width: 97%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Total undiscounted lease payments</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">25,637</font></td></tr>
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   <td style="width: 97%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid"><font style="font: x-small Arial">Discount effect of cash flows</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"><font style="font: x-small Arial">5,549</font></td></tr>
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   <td style="border-bottom: #000000 1.5pt solid; padding-left: 15pt; width: 97%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total lease liability</font></td>
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   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1.5pt solid"><font style="font: x-small Arial">$</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1.5pt solid"><font style="font: x-small Arial">20,088</font></td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of Maturities of lease liabilities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>97
<FILENAME>R31.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6921163280">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Reportable Segments<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2019</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SegmentReportingAbstract', window );"><strong>Segment Reporting [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SegmentReportingDisclosureTextBlock', window );">Reportable Segments</a></td>
<td class="text"><div><p style="text-align: justify"><b><font style="font: x-small Arial">NOTE 24 &#8211; Reportable Segments</font></b></p>

<p style="text-align: justify"><font style="font: x-small Arial">The Company&#8217;s reportable segments represent
the distinct product lines the Company offers and are viewed separately for strategic planning purposes by management. The three
segments include Commercial and Retail Banking, Mortgage Banking, and Corporate Operations. The following schedule presents financial
information for each reportable segment.</font></p>



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   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
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<tr style="vertical-align: bottom">

   <td style="width: 87%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="12" style="border-bottom: Black 1pt solid; width: 12%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Year ended December 31, 2019</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 87%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Commercial</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 87%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">and Retail</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

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   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

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   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

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   <td style="border-bottom: Black 1pt solid; width: 87%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">(dollars in thousands)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial"></font></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Banking</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Banking</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Operations</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right">&#160;</td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right">&#160;</td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Eliminations</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Consolidated</font></b></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 87%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Interest income</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">91,923</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;&#160;&#160;&#160;&#160;</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">729</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">13</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(13</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">&#160;&#160;&#160;&#160;&#160;</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">92,652</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 87%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Interest expense</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">24,467</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">929</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(13</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">25,383</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 87%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Net interest income (loss)</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">67,456</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">729</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(916</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">67,269</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 87%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Provision for loan losses</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,300</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,300</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 87%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Noninterest income</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">5,060</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">9,923</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">14,983</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 87%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Noninterest expense</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">37,798</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">6,435</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">240</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">44,473</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 87%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Net income (loss) before taxes</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">32,418</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4,217</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(1,156</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">35,479</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 87%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Income tax provision (benefit)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">6,978</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">886</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(243</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,621</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; width: 87%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Net income (loss)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">25,440</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3,331</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(913</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">27,858</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1.5pt solid; width: 87%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total assets</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,239,430</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">27,356</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">242,069</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(241,660</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,267,195</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 87%; white-space: nowrap; text-align: left">&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="4" style="width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 87%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="12" style="border-bottom: Black 1pt solid; width: 12%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Year ended December 31, 2018</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 87%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Commercial</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 87%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">and Retail</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Mortgage</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 87%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Banking</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Banking</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Corporate</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Eliminations</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Consolidated</font></b></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 87%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Interest income</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">76,282</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">375</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">9</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(9</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">76,657</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 87%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Interest expense</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">15,922</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">592</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(9</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">16,505</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 87%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Net interest income (loss)</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">60,360</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">375</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(583</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">60,152</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 87%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Provision for loan losses</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,900</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,900</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 87%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Noninterest income</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4,657</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">5,544</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">10,201</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 87%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Noninterest expense</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">35,371</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4,152</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">240</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">39,763</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 87%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Net income (loss) before taxes</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">27,746</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,767</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(823</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">28,690</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 87%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Income tax expense (benefit)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">6,185</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">389</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(173</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">6,401</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; width: 87%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Net income (loss)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">21,561</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,378</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(650</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">22,289</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1.5pt solid; width: 87%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total assets</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,905,474</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">8,602</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">187,327</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(200,789</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,900,614</font></td></tr>


</table>


<p style="text-align: justify"><u><font style="font: x-small Arial">Commercial and retail banking.</font></u><font style="font: x-small Arial"> The Company&#8217;s primary business is to provide traditional deposit and lending products and services to its commercial and retail banking clients.</font></p>

<p style="text-align: justify"><u><font style="font: x-small Arial">Mortgage banking.</font></u><font style="font: x-small Arial"> The mortgage banking segment provides mortgage loan origination services for loans that will be sold in the secondary market to investors.</font></p>

<p style="text-align: justify"><u><font style="font: x-small Arial">Corporate operations.</font></u><font style="font: x-small Arial"> Corporate operations is comprised primarily of compensation and benefits for certain members of management and interest on parent company debt.</font></p></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for reporting segments including data and tables. Reportable segments include those that meet any of the following quantitative thresholds a) it's reported revenue, including sales to external customers and intersegment sales or transfers is 10 percent or more of the combined revenue, internal and external, of all operating segments b) the absolute amount of its reported profit or loss is 10 percent or more of the greater, in absolute amount of 1) the combined reported profit of all operating segments that did not report a loss or 2) the combined reported loss of all operating segments that did report a loss c) its assets are 10 percent or more of the combined assets of all operating segments.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -URI http://asc.fasb.org/topic&amp;trid=2134510<br></p></div>
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6920345552">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Investment Securities (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2019</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract', window );"><strong>Investments, Debt and Equity Securities [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock', window );">Summary of amortized costs and fair value of investment securities</a></td>
<td class="text"><div><p style="text-align: justify"><font style="font: x-small Arial">The amortized costs and fair value of investment securities are as follows:</font></p>

<table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse">



<tr style="vertical-align: bottom">

   <td style="border-top: Black 1.5pt solid; width: 91%; white-space: nowrap; text-align: left">&#160;</td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 91%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="8" style="border-bottom: Black 1pt solid; width: 8%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">December 31, 2019</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 91%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Amortized</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td colspan="3" style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Gross Unrealized</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Fair</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 91%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">(dollars in thousands)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial"></font></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Cost</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Gains</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Losses</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Value</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 91%; white-space: nowrap; text-align: left; background-color: Silver"><b><font style="font: x-small Arial">Available for sale</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><b><font style="font: x-small Arial"></font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 91%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">US government agencies</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">500</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">499</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 91%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial">SBA securities</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">550</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">19</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">531</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 91%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">State and political subdivisions</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4,205</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">24</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4,184</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 91%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial">Asset-backed securities</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">13,351</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">184</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">13,167</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 91%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Mortgage-backed securities</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="padding-left: 30pt; width: 91%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial">FHLMC</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">10,609</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">14</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">15</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">10,608</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 91%; white-space: nowrap; text-align: left; padding-left: 30pt"><font style="font: x-small Arial">FNMA</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">35,275</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">34</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">169</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">35,140</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; padding-left: 30pt; width: 91%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial">GNMA</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">3,581</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">5</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">21</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">3,565</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 91%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Total mortgage-backed securities</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">49,465</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">53</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">205</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">49,313</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1.5pt solid; padding-left: 45pt; background-color: Silver; width: 91%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;$</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">68,071</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">56</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">433</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">67,694</font></td></tr></table>


<p style="text-align: center"></p>



<table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse">



<tr style="vertical-align: bottom">

   <td style="border-top: Black 1.5pt solid; width: 91%; white-space: nowrap; text-align: left">&#160;</td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="8" style="border-top: Black 1.5pt solid; width: 8%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 91%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="8" style="border-bottom: Black 1pt solid; width: 8%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">December 31, 2018</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 91%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Amortized</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td colspan="3" style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Gross Unrealized</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Fair</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 91%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Cost</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Gains</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Losses</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Value</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 91%; white-space: nowrap; text-align: left; background-color: Silver"><b><font style="font: x-small Arial">Available for sale</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><b><font style="font: x-small Arial"></font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 91%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">US government agencies</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">8,975</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">194</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">8,782</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 91%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial">SBA securities</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">3,628</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">103</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">3,525</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 91%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">State and political subdivisions</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">8,371</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">48</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">63</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">8,356</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 91%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial">Asset-backed securities</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">9,595</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">12</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">49</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">9,558</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 91%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Mortgage-backed securities</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="padding-left: 30pt; width: 91%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial">FHLMC</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">12,258</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">87</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">242</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">12,103</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 91%; white-space: nowrap; text-align: left; padding-left: 30pt"><font style="font: x-small Arial">FNMA</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">29,068</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">25</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">551</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">28,542</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; padding-left: 30pt; background-color: Silver; width: 91%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">GNMA</font></td>

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4,170</font></td>

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1</font></td>

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">132</font></td>

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4,039</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 91%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total mortgage-backed securities</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">45,496</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">113</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">925</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">44,684</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1.5pt solid; padding-left: 45pt; background-color: Silver; width: 91%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;$</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">76,065</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">174</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,334</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">74,905</font></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock', window );">Summary of amortized costs and fair values of investment securities available for sale by contractual maturity</a></td>
<td class="text"><div><p style="text-align: justify"><font style="font: x-small Arial">The amortized costs and fair values of investment securities available for sale at December 31, 2019 and 2018, by contractual maturity, are shown below. Expected maturities may differ from contractual maturities because issuers have the right to prepay the obligations.</font></p>

<table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse">



<tr style="vertical-align: bottom">

   <td style="border-top: Black 1.5pt solid; width: 91%; white-space: nowrap; text-align: left">&#160;</td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="8" style="border-top: Black 1.5pt solid; width: 8%; white-space: nowrap; text-align: center"><b><font style="font: xx-small Arial"></font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 91%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="8" style="border-bottom: Black 1pt solid; width: 8%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">December 31,</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 91%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2019</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2018</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 91%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="2" style="width: 2%; text-align: right"><b><font style="font: xx-small Arial">Amortized</font></b></td>

   <td style="width: 1%; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Fair</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Amortized</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Fair</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 91%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">(dollars in thousands)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial"></font></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Cost</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Value</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Cost</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Value</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 91%; white-space: nowrap; text-align: left; background-color: Silver"><b><font style="font: x-small Arial">Available for sale</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><b><font style="font: x-small Arial"></font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 91%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Due within one year</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;&#160;&#160;&#160;&#160;</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;&#160;&#160;&#160;&#160;</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 91%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial">Due after one through five years</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">4,699</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">4,675</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">8,681</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">8,578</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 91%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Due after five through ten years</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">10,454</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">10,414</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">22,796</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">22,379</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 91%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Due after ten years</font></td>

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">52,918</font></td>

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">52,605</font></td>

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">44,588</font></td>

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">43,948</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1.5pt solid; width: 91%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">68,071</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">67,694</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">76,065</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">74,905</font></td></tr></table></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfUnrealizedLossOnInvestmentsTableTextBlock', window );">Summary of gross unrealized losses on investment securities and fair market value of related securities</a></td>
<td class="text"><div><p style="text-align: justify"><font style="font: x-small Arial">The tables below summarize gross unrealized losses on investment securities and the fair market value of the related securities, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, at December 31, 2019 and 2018.</font></p>

<table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse">



<tr style="vertical-align: bottom">

   <td style="border-top: Black 1.5pt solid; width: 76%; white-space: nowrap; text-align: left">&#160;</td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="7" style="border-top: Black 1.5pt solid; width: 7%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td colspan="5" style="border-top: Black 1.5pt solid; width: 5%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td colspan="2" style="border-top: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 76%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="7" style="border-bottom: Black 1pt solid; width: 7%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Less than 12 months</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td colspan="5" style="border-bottom: Black 1pt solid; width: 5%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">12 months or longer</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Total</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 76%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Fair</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Unrealized</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Fair</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Unrealized</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Fair</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td colspan="2" style="width: 2%; text-align: right"><b><font style="font: xx-small Arial">Unrealized</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 76%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">(dollars in thousands)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">#</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">value</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">losses</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">#</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">value</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">losses</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">#</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">value</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">losses</font></b></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 76%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial">As of December 31, 2019</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial"></font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 76%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial">Available for sale</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial"></font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 76%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">US government agencies</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">499</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;&#160;&#160;&#160;</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">499</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 76%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">SBA securities</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">531</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">19</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">531</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">19</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 76%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">State and political subdivisions</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,093</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">24</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,093</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">24</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 76%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Asset-backed</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">5</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">5,921</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">68</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">5</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,246</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">116</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">10</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">13,167</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">184</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 76%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Mortgage-backed</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 76%; white-space: nowrap; text-align: left; padding-left: 30pt"><font style="font: x-small Arial">FHLMC</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3,842</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,323</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">13</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">8</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">6,165</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">15</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 76%; white-space: nowrap; text-align: left; padding-left: 30pt"><font style="font: x-small Arial">FNMA</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">14</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">15,500</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">67</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">11</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">9,462</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">102</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">25</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">24,962</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">169</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; padding-left: 30pt; width: 76%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">GNMA</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,240</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">6</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">734</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">15</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,974</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">21</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1.5pt solid; width: 76%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">28</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">30,095</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;&#160;&#160;&#160;&#160;&#160;&#160;$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">168</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">22</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">20,296</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;&#160;&#160;&#160;&#160;&#160;$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">265</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">50</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">50,391</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;&#160;&#160;&#160;&#160;&#160;&#160;$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">433</font></td></tr></table>


<p style="text-align: center"></p>



<table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse">

<tr style="vertical-align: bottom">
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 76%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>


   <td colspan="7" style="border-bottom: Black 1pt solid; width: 5%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Less than 12 months</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="5" style="border-bottom: Black 1pt solid; width: 5%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">12 months or longer</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Total</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 76%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Fair</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Unrealized</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Fair</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Unrealized</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Fair</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Unrealized</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 76%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">(dollars in thousands)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">#</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">value</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">losses</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">#</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><b><font style="font: xx-small Arial"></font></b></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">value</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">losses</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">#</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><b><font style="font: xx-small Arial"></font></b></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">value</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">losses</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 76%; white-space: nowrap; text-align: left; background-color: Silver"><b><font style="font: x-small Arial">As of December 31, 2018</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><b><font style="font: x-small Arial"></font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 76%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial">Available for sale</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial"></font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="padding-left: 15pt; width: 76%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial">US government agencies</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver">&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">1</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver">&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">1,246</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver">&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">3</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver">&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">8</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver">&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">7,035</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver">&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">191</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver">&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">9</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver">&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">8,281</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver">&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">194</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 76%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">SBA securities</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"><font style="font: x-small Arial">2</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3,525</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">103</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"><font style="font: x-small Arial">2</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3,525</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">103</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="padding-left: 15pt; width: 76%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial">State and political subdivisions</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">7</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">2,829</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">63</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">7</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">2,829</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">63</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 76%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Asset-backed</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"><font style="font: x-small Arial">4</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">6,707</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">49</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"><font style="font: x-small Arial">4</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">6,707</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">49</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="padding-left: 15pt; width: 76%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial">Mortgage-backed</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 76%; white-space: nowrap; text-align: left; padding-left: 30pt"><font style="font: x-small Arial">FHLMC</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"><font style="font: x-small Arial">10</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,402</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">242</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"><font style="font: x-small Arial">10</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,402</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">242</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="padding-left: 30pt; width: 76%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial">FNMA</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">2</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">2,689</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">6</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">23</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">22,814</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">545</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">25</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">25,503</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">551</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; padding-left: 30pt; width: 76%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">GNMA</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,104</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">6</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,919</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">126</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4,023</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">132</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 76%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">8</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;&#160;&#160;&#160;$</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">11,746</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;$</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">64</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">53</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">46,524</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;&#160;&#160;$</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,270</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">61</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">58,270</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;&#160;&#160;$</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,334</font></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfOtherInvestmentsNotReadilyMarketableTextBlock', window );">Summary of other investments</a></td>
<td class="text"><div><p style="text-align: justify"><font style="font: x-small Arial">Other investments are comprised of the following and are recorded at cost which approximates fair value:</font></p>

<table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse">

<tr style="vertical-align: bottom">
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 95%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="4" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">December 31,</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 95%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">(dollars in thousands)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial"></font></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: left; text-align: right"><b><font style="font: xx-small Arial">2019</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2018</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 95%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial">Federal Home Loan Bank stock</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial">$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">6,386</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">3,587</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 95%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Other investments</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">159</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">131</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 95%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Investment in Trust Preferred subsidiaries</font></td>

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">403</font></td>

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">403</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1.5pt solid; width: 95%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">6,948</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4,121</font></td></tr></table></div><span></span>
</td>
</tr>
</table>
<div style="display: none;">
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of maturities of an entity's investments as well as any other information pertinent to the investments.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the reconciliation of available-for-sale securities from cost basis to fair value.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfOtherInvestmentsNotReadilyMarketableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of other investments not readily marketable, including, but not limited to, description of investment, fair value and value as measured by quoted price.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 940<br> -SubTopic 820<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=35710923&amp;loc=d3e45360-110995<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>For all investments in an unrealized loss position, including those for which other-than-temporary impairments have not been recognized in earnings (including investments for which a portion of an other-than-temporary impairment has been recognized in other comprehensive income), a tabular disclosure of the aggregate related fair value of investments with unrealized losses and the aggregate amount of unrealized losses (that is, the amount by which amortized cost basis exceeds fair value).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=118939692&amp;loc=d3e27290-111563<br></p></div>
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6932342672">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Investment Securities (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2019</div></th>
<th class="th"><div>Dec. 31, 2018</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAbstract', window );"><strong>Available for sale</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAmortizedCost', window );">Total investment securities available for sale, Amortized Cost</a></td>
<td class="nump">$ 68,071<span></span>
</td>
<td class="nump">$ 76,065<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesGrossUnrealizedGains', window );">Total investment securities available for sale, Gross Unrealized Gains</a></td>
<td class="nump">56<span></span>
</td>
<td class="nump">174<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesGrossUnrealizedLoss', window );">Total investment securities available for sale, Gross Unrealized Losses</a></td>
<td class="nump">433<span></span>
</td>
<td class="nump">1,334<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Available-for-sale securities, investment securities, Fair Value</a></td>
<td class="nump">67,694<span></span>
</td>
<td class="nump">74,905<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_AgencySecuritiesMember', window );">US government agencies [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAbstract', window );"><strong>Available for sale</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAmortizedCost', window );">Total investment securities available for sale, Amortized Cost</a></td>
<td class="nump">500<span></span>
</td>
<td class="nump">8,975<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesGrossUnrealizedGains', window );">Total investment securities available for sale, Gross Unrealized Gains</a></td>
<td class="text"> <span></span>
</td>
<td class="nump">1<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesGrossUnrealizedLoss', window );">Total investment securities available for sale, Gross Unrealized Losses</a></td>
<td class="nump">1<span></span>
</td>
<td class="nump">194<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Available-for-sale securities, investment securities, Fair Value</a></td>
<td class="nump">499<span></span>
</td>
<td class="nump">8,782<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=sfst_SbaSecuritiesMember', window );">SBA securities [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAbstract', window );"><strong>Available for sale</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAmortizedCost', window );">Total investment securities available for sale, Amortized Cost</a></td>
<td class="nump">550<span></span>
</td>
<td class="nump">3,628<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesGrossUnrealizedGains', window );">Total investment securities available for sale, Gross Unrealized Gains</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesGrossUnrealizedLoss', window );">Total investment securities available for sale, Gross Unrealized Losses</a></td>
<td class="nump">19<span></span>
</td>
<td class="nump">103<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Available-for-sale securities, investment securities, Fair Value</a></td>
<td class="nump">531<span></span>
</td>
<td class="nump">3,525<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_USStatesAndPoliticalSubdivisionsMember', window );">State and political subdivisions [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAbstract', window );"><strong>Available for sale</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAmortizedCost', window );">Total investment securities available for sale, Amortized Cost</a></td>
<td class="nump">4,205<span></span>
</td>
<td class="nump">8,371<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesGrossUnrealizedGains', window );">Total investment securities available for sale, Gross Unrealized Gains</a></td>
<td class="nump">3<span></span>
</td>
<td class="nump">48<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesGrossUnrealizedLoss', window );">Total investment securities available for sale, Gross Unrealized Losses</a></td>
<td class="nump">24<span></span>
</td>
<td class="nump">63<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Available-for-sale securities, investment securities, Fair Value</a></td>
<td class="nump">4,184<span></span>
</td>
<td class="nump">8,356<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_AssetBackedSecuritiesMember', window );">Asset-backed Securities [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAbstract', window );"><strong>Available for sale</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAmortizedCost', window );">Total investment securities available for sale, Amortized Cost</a></td>
<td class="nump">13,351<span></span>
</td>
<td class="nump">9,595<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesGrossUnrealizedGains', window );">Total investment securities available for sale, Gross Unrealized Gains</a></td>
<td class="text"> <span></span>
</td>
<td class="nump">12<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesGrossUnrealizedLoss', window );">Total investment securities available for sale, Gross Unrealized Losses</a></td>
<td class="nump">184<span></span>
</td>
<td class="nump">49<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Available-for-sale securities, investment securities, Fair Value</a></td>
<td class="nump">13,167<span></span>
</td>
<td class="nump">9,558<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_MortgageBackedSecuritiesMember', window );">Mortgage-backed securities [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAbstract', window );"><strong>Available for sale</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAmortizedCost', window );">Total investment securities available for sale, Amortized Cost</a></td>
<td class="nump">49,465<span></span>
</td>
<td class="nump">45,496<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesGrossUnrealizedGains', window );">Total investment securities available for sale, Gross Unrealized Gains</a></td>
<td class="nump">53<span></span>
</td>
<td class="nump">113<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesGrossUnrealizedLoss', window );">Total investment securities available for sale, Gross Unrealized Losses</a></td>
<td class="nump">205<span></span>
</td>
<td class="nump">925<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Available-for-sale securities, investment securities, Fair Value</a></td>
<td class="nump">49,313<span></span>
</td>
<td class="nump">44,684<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_MortgageBackedSecuritiesMember', window );">Mortgage-backed securities [Member] | FHLMC [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAbstract', window );"><strong>Available for sale</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAmortizedCost', window );">Total investment securities available for sale, Amortized Cost</a></td>
<td class="nump">10,609<span></span>
</td>
<td class="nump">12,258<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesGrossUnrealizedGains', window );">Total investment securities available for sale, Gross Unrealized Gains</a></td>
<td class="nump">14<span></span>
</td>
<td class="nump">87<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesGrossUnrealizedLoss', window );">Total investment securities available for sale, Gross Unrealized Losses</a></td>
<td class="nump">15<span></span>
</td>
<td class="nump">242<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Available-for-sale securities, investment securities, Fair Value</a></td>
<td class="nump">10,608<span></span>
</td>
<td class="nump">12,103<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_MortgageBackedSecuritiesMember', window );">Mortgage-backed securities [Member] | FNMA [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAbstract', window );"><strong>Available for sale</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAmortizedCost', window );">Total investment securities available for sale, Amortized Cost</a></td>
<td class="nump">35,275<span></span>
</td>
<td class="nump">29,068<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesGrossUnrealizedGains', window );">Total investment securities available for sale, Gross Unrealized Gains</a></td>
<td class="nump">34<span></span>
</td>
<td class="nump">25<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesGrossUnrealizedLoss', window );">Total investment securities available for sale, Gross Unrealized Losses</a></td>
<td class="nump">169<span></span>
</td>
<td class="nump">551<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Available-for-sale securities, investment securities, Fair Value</a></td>
<td class="nump">35,140<span></span>
</td>
<td class="nump">28,542<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_MortgageBackedSecuritiesMember', window );">Mortgage-backed securities [Member] | GNMA [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAbstract', window );"><strong>Available for sale</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAmortizedCost', window );">Total investment securities available for sale, Amortized Cost</a></td>
<td class="nump">3,581<span></span>
</td>
<td class="nump">4,170<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesGrossUnrealizedGains', window );">Total investment securities available for sale, Gross Unrealized Gains</a></td>
<td class="nump">5<span></span>
</td>
<td class="nump">1<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesGrossUnrealizedLoss', window );">Total investment securities available for sale, Gross Unrealized Losses</a></td>
<td class="nump">21<span></span>
</td>
<td class="nump">132<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Available-for-sale securities, investment securities, Fair Value</a></td>
<td class="nump">$ 3,565<span></span>
</td>
<td class="nump">$ 4,039<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AvailableForSaleSecuritiesAbstract</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesAmortizedCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AvailableForSaleSecuritiesAmortizedCost</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 30<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=118942338&amp;loc=SL82898722-210454<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=118954083&amp;loc=d3e26610-111562<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (aa)<br> -URI http://asc.fasb.org/extlink&amp;oid=118939692&amp;loc=d3e27161-111563<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AvailableForSaleSecuritiesDebtSecurities</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of unrealized gain before deducting unrealized loss on investments in debt and equity securities classified as available-for-sale securities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=118939692&amp;loc=d3e27161-111563<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AvailableForSaleSecuritiesGrossUnrealizedGains</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesGrossUnrealizedLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of unrealized loss before deducting unrealized gain on investments in available-for-sale securities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=118939692&amp;loc=d3e27161-111563<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AvailableForSaleSecuritiesGrossUnrealizedLoss</td>
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<td><strong> Balance Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_AgencySecuritiesMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=sfst_SbaSecuritiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
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</div></td></tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_USStatesAndPoliticalSubdivisionsMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_AssetBackedSecuritiesMember</td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_MortgageBackedSecuritiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
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<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
<td></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InvestmentTypeAxis=us-gaap_FederalHomeLoanMortgageCorporationCertificatesAndObligationsFHLMCMember</td>
</tr>
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<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InvestmentTypeAxis=us-gaap_FederalNationalMortgageAssociationCertificatesAndObligationsFNMAMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
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<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<td></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InvestmentTypeAxis=us-gaap_GovernmentNationalMortgageAssociationCertificatesAndObligationsGNMAMember</td>
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<tr>
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<td></td>
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<td>na</td>
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6932162240">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Reportable Segments (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2019</div></th></tr>
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   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
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   <td style="width: 87%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="12" style="border-bottom: Black 1pt solid; width: 12%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Year ended December 31, 2019</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 87%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Commercial</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 87%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">and Retail</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Mortgage</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Corporate</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 87%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">(dollars in thousands)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial"></font></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Banking</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Banking</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Operations</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right">&#160;</td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right">&#160;</td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Eliminations</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Consolidated</font></b></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 87%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Interest income</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">91,923</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;&#160;&#160;&#160;&#160;</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">729</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">13</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(13</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">&#160;&#160;&#160;&#160;&#160;</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">92,652</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 87%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Interest expense</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">24,467</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">929</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(13</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">25,383</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 87%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Net interest income (loss)</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">67,456</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">729</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(916</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">67,269</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 87%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Provision for loan losses</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,300</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,300</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 87%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Noninterest income</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">5,060</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">9,923</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">14,983</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 87%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Noninterest expense</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">37,798</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">6,435</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">240</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">44,473</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 87%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Net income (loss) before taxes</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">32,418</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4,217</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(1,156</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">35,479</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 87%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Income tax provision (benefit)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">6,978</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">886</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(243</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,621</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; width: 87%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Net income (loss)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">25,440</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3,331</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(913</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">27,858</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1.5pt solid; width: 87%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total assets</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,239,430</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">27,356</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">242,069</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(241,660</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,267,195</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 87%; white-space: nowrap; text-align: left">&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="4" style="width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 87%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="12" style="border-bottom: Black 1pt solid; width: 12%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Year ended December 31, 2018</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 87%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Commercial</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 87%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">and Retail</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Mortgage</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 87%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Banking</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Banking</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Corporate</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Eliminations</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Consolidated</font></b></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 87%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Interest income</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">76,282</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">375</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">9</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(9</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">76,657</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 87%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Interest expense</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">15,922</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">592</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(9</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">16,505</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 87%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Net interest income (loss)</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">60,360</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">375</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(583</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">60,152</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 87%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Provision for loan losses</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,900</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,900</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 87%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Noninterest income</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4,657</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">5,544</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">10,201</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 87%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Noninterest expense</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">35,371</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4,152</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">240</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">39,763</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 87%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Net income (loss) before taxes</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">27,746</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,767</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(823</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">28,690</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 87%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Income tax expense (benefit)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">6,185</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">389</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(173</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">6,401</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; width: 87%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Net income (loss)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">21,561</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,378</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(650</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">22,289</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1.5pt solid; width: 87%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total assets</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,905,474</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">8,602</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">187,327</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(200,789</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,900,614</font></td></tr></table></div><span></span>
</td>
</tr>
</table>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the profit or loss and total assets for each reportable segment. An entity discloses certain information on each reportable segment if the amounts (a) are included in the measure of segment profit or loss reviewed by the chief operating decision maker or (b) are otherwise regularly provided to the chief operating decision maker, even if not included in that measure of segment profit or loss.</p></div>
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6913430464">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Investment Securities (Details Textual)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th">
<div>Dec. 31, 2019 </div>
<div>USD ($) </div>
<div>Investments</div>
</th>
<th class="th">
<div>Dec. 31, 2018 </div>
<div>USD ($) </div>
<div>Investments</div>
</th>
<th class="th">
<div>Dec. 31, 2017 </div>
<div>USD ($)</div>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="nump">$ 34,900<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="nump">$ 727<span></span>
</td>
<td class="nump">$ 7<span></span>
</td>
<td class="nump">$ 4<span></span>
</td>
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<td class="nump">28<span></span>
</td>
<td class="nump">8<span></span>
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<td class="text">&#160;<span></span>
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<td class="nump">$ 30,100<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="nump">22<span></span>
</td>
<td class="nump">53<span></span>
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<td class="text">&#160;<span></span>
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<td class="nump">$ 20,300<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Investments with fair market value in continuous unrealized loss position for less than twelve months.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Investments with fair market value In continuous unrealized loss position twelve months or longer.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of investments in continuous unrealized loss position, less than twelve months.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of investments in continuous unrealized loss position twelve months or longer.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The difference between the carrying value and the sale price of an investment.  A gain would be recognized when the sale price of the investment is greater than the carrying value of the investment.  This element refers to the Gain included in earnings and not to the cash proceeds of the sale.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(3)(a))<br> -URI http://asc.fasb.org/extlink&amp;oid=116637232&amp;loc=SL114874131-224263<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=118932676&amp;loc=d3e3602-108585<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(13))<br> -URI http://asc.fasb.org/extlink&amp;oid=116637391&amp;loc=SL114874048-224260<br><br>Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(b)(9)(a))<br> -URI http://asc.fasb.org/extlink&amp;oid=116634182&amp;loc=SL114868664-224227<br><br>Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(b)(7)(c))<br> -URI http://asc.fasb.org/extlink&amp;oid=116634182&amp;loc=SL114868664-224227<br></p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of cash inflow from sale of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale).</p></div>
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6914903888">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Troubled Debt Restructurings (Details)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th">
<div>Dec. 31, 2019 </div>
<div>USD ($) </div>
<div>Investments</div>
</th>
<th class="th">
<div>Dec. 31, 2018 </div>
<div>USD ($) </div>
<div>Investments</div>
</th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_SummaryOfConcessionAtTimeOfModificationAndRecordedInvestmentAbstract', window );"><strong>Summary of concession at the time of modification and the recorded investment in TDRs before and after their modification</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_RenewalsDeemedConcession', window );">Renewals deemed a concession</a></td>
<td class="nump">1<span></span>
</td>
<td class="nump">7<span></span>
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<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_ReducedOrDeferredPayments', window );">Reduced or deferred payments</a></td>
<td class="nump">1<span></span>
</td>
<td class="nump">1<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_ConvertedToInterestOnly', window );">Converted to interest only</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_MaturityDateExtensions', window );">Maturity date extensions</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsNumberOfContracts2', window );">Total number of loans</a></td>
<td class="nump">1<span></span>
</td>
<td class="nump">8<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsPreModificationRecordedInvestment2', window );">Pre-modification outstanding recorded investment | $</a></td>
<td class="nump">$ 1,823<span></span>
</td>
<td class="nump">$ 3,549<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2', window );">Post-modification outstanding recorded investment | $</a></td>
<td class="nump">$ 1,823<span></span>
</td>
<td class="nump">$ 4,080<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_CommercialLoanMember', window );">Commercial [Member] | Non-owner occupied RE [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_SummaryOfConcessionAtTimeOfModificationAndRecordedInvestmentAbstract', window );"><strong>Summary of concession at the time of modification and the recorded investment in TDRs before and after their modification</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_RenewalsDeemedConcession', window );">Renewals deemed a concession</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_ReducedOrDeferredPayments', window );">Reduced or deferred payments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1<span></span>
</td>
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<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_ConvertedToInterestOnly', window );">Converted to interest only</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_MaturityDateExtensions', window );">Maturity date extensions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsNumberOfContracts2', window );">Total number of loans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1<span></span>
</td>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsPreModificationRecordedInvestment2', window );">Pre-modification outstanding recorded investment | $</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 1,287<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2', window );">Post-modification outstanding recorded investment | $</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 1,287<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_CommercialLoanMember', window );">Commercial [Member] | Owner occupied RE [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_SummaryOfConcessionAtTimeOfModificationAndRecordedInvestmentAbstract', window );"><strong>Summary of concession at the time of modification and the recorded investment in TDRs before and after their modification</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_RenewalsDeemedConcession', window );">Renewals deemed a concession</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_ReducedOrDeferredPayments', window );">Reduced or deferred payments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_ConvertedToInterestOnly', window );">Converted to interest only</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_MaturityDateExtensions', window );">Maturity date extensions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsNumberOfContracts2', window );">Total number of loans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsPreModificationRecordedInvestment2', window );">Pre-modification outstanding recorded investment | $</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 506<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2', window );">Post-modification outstanding recorded investment | $</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 592<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_CommercialLoanMember', window );">Commercial [Member] | Business [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_SummaryOfConcessionAtTimeOfModificationAndRecordedInvestmentAbstract', window );"><strong>Summary of concession at the time of modification and the recorded investment in TDRs before and after their modification</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_RenewalsDeemedConcession', window );">Renewals deemed a concession</a></td>
<td class="nump">1<span></span>
</td>
<td class="nump">4<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_ReducedOrDeferredPayments', window );">Reduced or deferred payments</a></td>
<td class="nump">1<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_ConvertedToInterestOnly', window );">Converted to interest only</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_MaturityDateExtensions', window );">Maturity date extensions</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsNumberOfContracts2', window );">Total number of loans</a></td>
<td class="nump">1<span></span>
</td>
<td class="nump">4<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsPreModificationRecordedInvestment2', window );">Pre-modification outstanding recorded investment | $</a></td>
<td class="nump">$ 1,823<span></span>
</td>
<td class="nump">$ 1,207<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2', window );">Post-modification outstanding recorded investment | $</a></td>
<td class="nump">$ 1,823<span></span>
</td>
<td class="nump">$ 1,532<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember', window );">Consumer [Member] | Real estate [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_SummaryOfConcessionAtTimeOfModificationAndRecordedInvestmentAbstract', window );"><strong>Summary of concession at the time of modification and the recorded investment in TDRs before and after their modification</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_RenewalsDeemedConcession', window );">Renewals deemed a concession</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_ReducedOrDeferredPayments', window );">Reduced or deferred payments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_ConvertedToInterestOnly', window );">Converted to interest only</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_MaturityDateExtensions', window );">Maturity date extensions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsNumberOfContracts2', window );">Total number of loans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsPreModificationRecordedInvestment2', window );">Pre-modification outstanding recorded investment | $</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 549<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2', window );">Post-modification outstanding recorded investment | $</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 669<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_ConvertedToInterestOnly">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Converted to interest only.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_ConvertedToInterestOnly</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_MaturityDateExtensions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Maturity date extensions.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_MaturityDateExtensions</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
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</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_ReducedOrDeferredPayments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Reduced or deferred payments.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_ReducedOrDeferredPayments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_RenewalsDeemedConcession">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Renewals deemed concession.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_RenewalsDeemedConcession</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_SummaryOfConcessionAtTimeOfModificationAndRecordedInvestmentAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_SummaryOfConcessionAtTimeOfModificationAndRecordedInvestmentAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableModificationsNumberOfContracts2">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of financing receivables that have been modified by troubled debt restructurings.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 33<br> -URI http://asc.fasb.org/extlink&amp;oid=118936363&amp;loc=SL6953676-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableModificationsNumberOfContracts2</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount, after troubled debt restructuring, of modified financing receivable.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 33<br> -URI http://asc.fasb.org/extlink&amp;oid=118936363&amp;loc=SL6953676-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableModificationsPreModificationRecordedInvestment2">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount, before troubled debt restructuring, of financing receivable to be modified.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 33<br> -URI http://asc.fasb.org/extlink&amp;oid=118936363&amp;loc=SL6953676-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableModificationsPreModificationRecordedInvestment2</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=us-gaap_CommercialLoanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_CommercialLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongtermDebtTypeAxis=sfst_NonOwnerOccupiedReMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LongtermDebtTypeAxis=sfst_NonOwnerOccupiedReMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongtermDebtTypeAxis=sfst_OwnerOccupiedReMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LongtermDebtTypeAxis=sfst_OwnerOccupiedReMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongtermDebtTypeAxis=sfst_BusinessLoanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LongtermDebtTypeAxis=sfst_BusinessLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_RealEstateLoanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_RealEstateLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
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<head>
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6811810960">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Deposits (Details 1) - Certificates Of Deposit [Member]<br> $ in Thousands</strong></div></th>
<th class="th">
<div>Dec. 31, 2019 </div>
<div>USD ($)</div>
</th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositsByMaturityAbstract', window );"><strong>Scheduled maturities of certificates of deposit</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesYearOne', window );">2020</a></td>
<td class="nump">$ 277,342<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesYearTwo', window );">2021</a></td>
<td class="nump">38,528<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesYearThree', window );">2022</a></td>
<td class="nump">10,783<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesYearFour', window );">2023</a></td>
<td class="nump">6,133<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_TimeDepositMaturitiesYearFiveAndAfterYearFive', window );">2024 and after</a></td>
<td class="nump">2,146<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDeposits', window );">Certificates of deposit</a></td>
<td class="nump">$ 334,932<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_TimeDepositMaturitiesYearFiveAndAfterYearFive">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of time deposits maturing in fifth fiscal year and after the fifth fiscal year following the latest fiscal year. Time deposits include, but are not limited to, certificates of deposits, individual retirement accounts and open accounts.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_TimeDepositMaturitiesYearFiveAndAfterYearFive</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDepositMaturitiesYearFour">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of time deposits maturing in the fourth fiscal year following the latest fiscal year. Time deposits include, but are not limited to, certificates of deposits. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TimeDepositMaturitiesYearFour</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDepositMaturitiesYearOne">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of time deposits maturing in the next fiscal year following the latest fiscal year. Time deposits include, but are not limited to, certificates of deposits. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TimeDepositMaturitiesYearOne</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDepositMaturitiesYearThree">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of time deposits maturing in the third fiscal year following the latest fiscal year. Time deposits include, but are not limited to, certificates of deposits. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TimeDepositMaturitiesYearThree</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDepositMaturitiesYearTwo">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of time deposits maturing in the second fiscal year following the latest fiscal year. Time deposits include, but are not limited to, certificates of deposits. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TimeDepositMaturitiesYearTwo</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDeposits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of time deposit liabilities, including certificates of deposit.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 405<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=116652737&amp;loc=d3e64164-112818<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.12)<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TimeDeposits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDepositsByMaturityAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TimeDepositsByMaturityAbstract</td>
</tr>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_DepositAxis=us-gaap_CertificatesOfDepositMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_DepositAxis=us-gaap_CertificatesOfDepositMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6932388208">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Subordinated Debentures (Details) - USD ($)<br></strong></div></th>
<th class="th" colspan="2">1 Months Ended</th>
<th class="th" colspan="1">9 Months Ended</th>
<th class="th" colspan="1">12 Months Ended</th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th"><div>Dec. 22, 2005</div></th>
<th class="th"><div>Jun. 26, 2003</div></th>
<th class="th"><div>Sep. 30, 2019</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
<th class="th"><div>Dec. 31, 2018</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_SubordinatedDebenturesTextualAbstract', window );"><strong>Subordinated Debentures (Textual)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_JuniorSubordinatedNotes', window );">Subordinated debentures</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 35,890,000<span></span>
</td>
<td class="nump">$ 13,403,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_DescriptionOfWallStreetReformAndConsumerProtectionAct', window );">Dodd-Frank Act prohibits, Description</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">Dodd-Frank Act prohibit institutions that had more than $15 billion in assets on December 31, 2009 from including trust preferred securities as Tier 1 capital beginning in 2013, with one-third phased out over the two years ending in 2015. Financial institutions with less than $15 billion in total assets, such as the Bank, may continue to include their trust preferred securities issued prior to May 19, 2010 in Tier 1 capital, but cannot include in Tier 1 capital trust preferred securities issued after such date.<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentAxis=us-gaap_SubordinatedDebtMember', window );">Subordinated Debt [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_SubordinatedDebenturesTextualAbstract', window );"><strong>Subordinated Debentures (Textual)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentFaceAmount', window );">Aggregate principal amount of subordinated notes</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 23,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentInterestRateDuringPeriod', window );">Rate of interest of subordinated notes</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4.75%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromIssuanceOfDebt', window );">Proceeds from issue of subordinated debts</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 22,500,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentTerm', window );">Term of subordinated notes</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">10 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeBasisSpreadOnVariableRate', window );">Basis points of interest rate calculation</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3.408%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis=sfst_GreenvilleFirstStatutoryTrustOneMember', window );">Greenville First Statutory Trust One [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_SubordinatedDebenturesTextualAbstract', window );"><strong>Subordinated Debentures (Textual)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_TrustPreferredSecuritiesIssuedAtFloatingRate', window );">Amount of trust preferred securities issued at floating rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 6,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentMaturityDate', window );">Maturity date of trust preferred securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">Jun. 26,  2033<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongTermDebtPercentageBearingVariableInterestRate', window );">Floating interest rate of trust preferred securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">5.05%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_PercentageOfLondonInterbankOfferedRate', window );">LIBOR rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3.10%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_IndexedPeriodOfLondonInterbankOfferedRate', window );">Indexed period of LIBOR rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">3-month<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromIssuanceOfTrustPreferredSecurities', window );">Proceeds from issuance trust preferred securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 6,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_InitialProceedsOfPreferredSecuritiesFromCapitalInvestment', window );">Initial proceeds from capital investment in trust</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">186,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_JuniorSubordinatedNotes', window );">Subordinated debentures</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 6,200,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis=sfst_GreenvilleFirstStatutoryTrustTwoMember', window );">Greenville First Statutory Trust Two [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_SubordinatedDebenturesTextualAbstract', window );"><strong>Subordinated Debentures (Textual)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_TrustPreferredSecuritiesIssuedAtFloatingRate', window );">Amount of trust preferred securities issued at floating rate</a></td>
<td class="nump">$ 7,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentMaturityDate', window );">Maturity date of trust preferred securities</a></td>
<td class="text">Dec. 22,  2035<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongTermDebtPercentageBearingVariableInterestRate', window );">Floating interest rate of trust preferred securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3.40%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_PercentageOfLondonInterbankOfferedRate', window );">LIBOR rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1.44%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_IndexedPeriodOfLondonInterbankOfferedRate', window );">Indexed period of LIBOR rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">3-month<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromIssuanceOfTrustPreferredSecurities', window );">Proceeds from issuance trust preferred securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 7,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_InitialProceedsOfPreferredSecuritiesFromCapitalInvestment', window );">Initial proceeds from capital investment in trust</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">217,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_JuniorSubordinatedNotes', window );">Subordinated debentures</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 7,200,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_DescriptionOfWallStreetReformAndConsumerProtectionAct">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Description of Dodd-Frank wall street reform and consumer protection act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_DescriptionOfWallStreetReformAndConsumerProtectionAct</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_IndexedPeriodOfLondonInterbankOfferedRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indexed period of London interbank offered rate.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_IndexedPeriodOfLondonInterbankOfferedRate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_InitialProceedsOfPreferredSecuritiesFromCapitalInvestment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Initial proceeds of preferred securities from the capital investment.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_InitialProceedsOfPreferredSecuritiesFromCapitalInvestment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_PercentageOfLondonInterbankOfferedRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Percentage of London Interbank Offered Rate.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_PercentageOfLondonInterbankOfferedRate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_SubordinatedDebenturesTextualAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_SubordinatedDebenturesTextualAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_TrustPreferredSecuritiesIssuedAtFloatingRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of trust preferred securities issued at floating rate.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_TrustPreferredSecuritiesIssuedAtFloatingRate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentFaceAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Face (par) amount of debt instrument at time of issuance.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 835<br> -SubTopic 30<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=114775744&amp;loc=d3e28551-108399<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 835<br> -SubTopic 30<br> -Section 55<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=114775985&amp;loc=d3e28878-108400<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtInstrumentFaceAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentInterestRateDuringPeriod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The average effective interest rate during the reporting period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 835<br> -SubTopic 30<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=114775744&amp;loc=d3e28551-108399<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.22(a)(1))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtInstrumentInterestRateDuringPeriod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentMaturityDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Date when the debt instrument is scheduled to be fully repaid, in CCYY-MM-DD format.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.22(a)(2))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 820<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=117815213&amp;loc=d3e19207-110258<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtInstrumentMaturityDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentTerm">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Period of time between issuance and maturity of debt instrument, in PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtInstrumentTerm</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeBasisSpreadOnVariableRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The percentage points added to the reference rate to compute the variable rate on the interest rate derivative.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeBasisSpreadOnVariableRate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_JuniorSubordinatedNotes">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Including the current and noncurrent portions, carrying value as of the balance sheet date of long-term debt (with maturities initially due after one year or beyond the operating cycle if longer) identified as Junior Subordinated Notes, which have a lower priority than senior instruments.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The interest rate applicable to the portion of the carrying amount of long-term borrowings outstanding as of the balance sheet date, including current maturities, which accrues interest at a rate subject to change from time to time.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.22(a)(1))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br></p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cash inflow during the period from additional borrowings in aggregate debt. Includes proceeds from short-term and long-term debt.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 14<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=118932676&amp;loc=d3e3255-108585<br></p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cash inflow from issuance of preferred stocks by a business trust or other special purpose entity, mainly established by a bank holding entity, to third party investors. The trust's assets are deeply subordinated debentures of the bank holding entity. Most trust preferred securities are subject to a mandatory redemption upon the repayment of the debentures.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 14<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=118932676&amp;loc=d3e3255-108585<br></p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6911044352">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Property and Equipment (Details Textual) - USD ($)<br> $ in Millions</strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
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<tr>
<th class="th"><div>Dec. 31, 2019</div></th>
<th class="th"><div>Dec. 31, 2018</div></th>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<tr class="ro">
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<td class="nump">$ 4.7<span></span>
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<td class="text">&#160;<span></span>
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</td>
<td class="nump">$ 1.8<span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 22<br> -Subparagraph (e)<br> -URI http://asc.fasb.org/extlink&amp;oid=115929826&amp;loc=d3e8736-108599<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=118932676&amp;loc=d3e3602-108585<br></p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of cash outflow from the acquisition of or improvements to long-lived, physical assets used to produce goods and services and not intended for resale, classified as other.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 13<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=118932676&amp;loc=d3e3213-108585<br></p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6920549472">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Federal Home Loan Bank Advances and Other Borrowings<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2019</div></th></tr>
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<td class="text">&#160;<span></span>
</td>
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<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_FederalHomeLoanBankAdvancesAndRepurchaseAgreementsTextBlock', window );">Federal Home Loan Bank Advances and Other Borrowings</a></td>
<td class="text"><div><p style="text-align: left"><b><font style="font: x-small Arial">NOTE 10 &#8211; Federal Home Loan Bank Advances and Other Borrowings</font></b></p>
<p style="text-align: justify"><font style="font: x-small Arial">At December 31, 2019 and 2018, the Company had $110.0 million and $50.0 million in FHLB Advances, respectively.</font></p>
<p style="text-align: justify"><font style="font: x-small Arial">The FHLB advances are secured with approximately $716.0 million of mortgage loans and $6.4 million of stock in the FHLB. During the fourth quarter of 2019, the Company paid off $25.0 million of fixed rate FHLB advances with an average cost of 3.36% and incurred a loss on extinguishment of debt of $1.5 million.</font></p>
<p style="text-align: justify"><font style="font: x-small Arial">Listed below is a summary of the terms and maturities of the advances outstanding at December 31, 2019 and 2018. The $110.0 million outstanding at December 31, 2019 was at a variable rate.</font></p>
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   <td colspan="9" style="width: 9%; white-space: nowrap; text-align: right; border-top: #000000 1.5pt solid">&#160;<b><font style="font: xx-small Arial"></font></b></td></tr>
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   <td style="width: 90%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid"><font style="font: xx-small Arial">(dollars in thousands)</font></td>
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   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"><b><font style="font: xx-small Arial">2019</font></b></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>
   <td style="width: 1%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid"></td>
   <td style="width: 1%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid"></td>
   <td style="width: 1%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"><b><font style="font: xx-small Arial">2018</font></b></td></tr>
<tr style="vertical-align: bottom">
   <td style="width: 90%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid"><b><font style="font: xx-small Arial">Maturity</font></b></td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"><font style="font: xx-small Arial">&#160;&#160;&#160;&#160;&#160;</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"><b><font style="font: xx-small Arial">Amount</font></b></td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"><font style="font: xx-small Arial">&#160;&#160;&#160;&#160;&#160;</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"><b><font style="font: xx-small Arial">Rate</font></b></td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"><font style="font: xx-small Arial">&#160;&#160;&#160;&#160;&#160;</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"><b><font style="font: xx-small Arial">Amount</font></b></td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"><font style="font: xx-small Arial">&#160;&#160;&#160;&#160;&#160;</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1pt solid"><b><font style="font: xx-small Arial">Rate</font></b></td></tr>
<tr style="vertical-align: bottom; background-color: Silver">
   <td style="width: 90%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">December 31, 2019</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-%</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">25,000</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2.65</font><font style="font: x-small Arial">%</font></td></tr>
<tr style="vertical-align: bottom">
   <td style="width: 90%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">July 7, 2022</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-%</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">10,000</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3.11</font><font style="font: x-small Arial">%</font></td></tr>
<tr style="vertical-align: bottom; background-color: Silver">
   <td style="width: 90%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">July 7, 2023</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-%</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">15,000</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3.53</font><font style="font: x-small Arial">%</font></td></tr>
<tr style="vertical-align: bottom">
   <td style="border-bottom: Black 1px solid; width: 90%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">December 31, 2020</font></td>
   <td style="border-bottom: Black 1px solid; width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="border-bottom: Black 1px solid; width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="border-bottom: Black 1px solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">110,000</font></td>
   <td style="border-bottom: Black 1px solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>
   <td style="border-bottom: Black 1px solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1.78</font><font style="font: x-small Arial">%</font></td>
   <td style="border-bottom: Black 1px solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>
   <td style="border-bottom: Black 1px solid; width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="border-bottom: Black 1px solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>
   <td style="border-bottom: Black 1px solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>
   <td style="border-bottom: Black 1px solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-%</font></td></tr>
<tr style="vertical-align: bottom; background-color: Silver">
   <td style="width: 90%; white-space: nowrap; text-align: left; border-bottom: #000000 1.5pt solid"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1.5pt solid"><font style="font: x-small Arial"></font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1.5pt solid"><font style="font: x-small Arial">$</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1.5pt solid"><font style="font: x-small Arial">110,000</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1.5pt solid"><font style="font: x-small Arial"></font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1.5pt solid"><font style="font: x-small Arial">1.78</font><font style="font: x-small Arial">%</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1.5pt solid"><font style="font: x-small Arial"></font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1.5pt solid"><font style="font: x-small Arial">$</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1.5pt solid"><font style="font: x-small Arial">50,000</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1.5pt solid"><font style="font: x-small Arial"></font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1.5pt solid"><font style="font: x-small Arial">3.01</font><font style="font: x-small Arial">%</font></td></tr></table>

<p style="text-align: justify"><font style="font: x-small Arial">The Company also has an unsecured, interest only line of credit for $15 million with another financial institution which was unused at December 31, 2019. The line of credit bears interest at LIBOR plus 2.50% and matures on June 30, 2020. The loan agreement contains various financial covenants related to capital, earnings and asset quality.</font></p></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for borrowing from the Federal Home Loan Bank, including: (i) general description; (ii) title and nature of obligation; (iii) interest rate; (iv) payment terms; (v) maturity dates by year; (vi) collateral requirements; (vii) restrictive covenants; (viii) priority; (ix) conversion or redemption features; (x) carrying value of assets pledged as collateral; (xi) combined aggregate maturities for next five years; (xii) unused or available balances and repurchase agreement.</p></div>
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6920473616">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Property and Equipment<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2019</div></th></tr>
<tr class="re">
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<td class="text">&#160;<span></span>
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<td class="text"><div><p style="text-align: left"><b><font style="font: x-small Arial">NOTE 6 &#8211; Property and Equipment</font></b></p>
<p style="text-align: justify"><font style="font: x-small Arial">Property and equipment are stated at cost less accumulated depreciation. Components of property and equipment included in the consolidated balance sheets are as follows:</font></p>
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<tr style="vertical-align: bottom">
   <td style="border-top: #000000 1.5pt solid; white-space: nowrap; text-align: left"></td>
   <td style="border-top: #000000 1.5pt solid; white-space: nowrap; text-align: left"></td>
   <td colspan="6" style="border-top: #000000 1.5pt solid; white-space: nowrap; text-align: right">&#160;<b><font style="font: xx-small Arial"></font></b></td></tr>
<tr style="vertical-align: bottom">
   <td style="white-space: nowrap; text-align: left"></td>
   <td style="white-space: nowrap; text-align: left"></td>
   <td colspan="5" style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">December 31,</font></b></td>
   <td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right">&#160;</td></tr>
<tr style="vertical-align: bottom">
   <td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">(dollars in thousands)</font></td>
   <td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"></td>
   <td colspan="2" style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2019</font></b></td>
   <td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"></td>
   <td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>
   <td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2018</font></b></td>
   <td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"></td></tr>
<tr style="vertical-align: bottom; background-color: Silver">
   <td style="width: 93%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Land</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>
   <td style="width: 1%; white-space: nowrap; text-align: right; vertical-align: middle"><font style="font: x-small Arial">$</font></td>
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   <td style="width: 1%; white-space: nowrap; text-align: left"></td>
   <td style="width: 1%; white-space: nowrap; text-align: left"></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">6,827</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>
<tr style="vertical-align: bottom">
   <td style="white-space: nowrap; text-align: left"><font style="font: x-small Arial">Buildings</font></td>
   <td style="white-space: nowrap; text-align: left"></td>
   <td style="white-space: nowrap; text-align: right; vertical-align: middle"></td>
   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">24,136</font></td>
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   <td style="white-space: nowrap; text-align: left"></td>
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   <td style="white-space: nowrap; text-align: right; vertical-align: middle"></td>
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   <td style="white-space: nowrap; text-align: left"></td>
   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">8,890</font></td>
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<tr style="vertical-align: bottom; background-color: Silver">
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   <td style="white-space: nowrap; text-align: left"></td>
   <td style="white-space: nowrap; text-align: right; vertical-align: middle"></td>
   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">367</font></td>
   <td style="white-space: nowrap; text-align: left"></td>
   <td style="white-space: nowrap; text-align: left"></td>
   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">329</font></td>
   <td style="white-space: nowrap; text-align: left"></td></tr>
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   <td style="white-space: nowrap; text-align: left">&#160;</td>
   <td style="white-space: nowrap; text-align: right; vertical-align: middle">&#160;</td>
   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">939</font></td>
   <td style="white-space: nowrap; text-align: left">&#160;</td>
   <td style="white-space: nowrap; text-align: left">&#160;</td>
   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">281</font></td>
   <td style="white-space: nowrap; text-align: left">&#160;</td></tr>
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   <td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Accumulated depreciation and amortization </font></td>
   <td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right; vertical-align: middle">&#160;</td>
   <td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(12,705</font></td>
   <td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>
   <td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(10,860</font></td>
   <td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td></tr>
<tr style="vertical-align: bottom">
   <td style="white-space: nowrap; text-align: left"><font style="font: x-small Arial">Property and equipment, excluding ROU assets</font></td>
   <td style="white-space: nowrap; text-align: left"></td>
   <td style="white-space: nowrap; text-align: right; vertical-align: middle"></td>
   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">38,973</font></td>
   <td style="white-space: nowrap; text-align: left"></td>
   <td style="white-space: nowrap; text-align: left"></td>
   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">32,430</font></td>
   <td style="white-space: nowrap; text-align: left"></td></tr>
<tr style="vertical-align: bottom; background-color: Silver">
   <td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"><font style="font: x-small Arial">ROU assets </font></td>
   <td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"></td>
   <td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right; vertical-align: middle"></td>
   <td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">19,505</font></td>
   <td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"></td>
   <td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"></td>
   <td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>
   <td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"></td></tr>
<tr style="vertical-align: bottom">
   <td style="border-bottom: #000000 1.5pt solid; padding-left: 15pt; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total property and equipment</font></td>
   <td style="border-bottom: #000000 1.5pt solid; white-space: nowrap; text-align: left"></td>
   <td style="border-bottom: #000000 1.5pt solid; white-space: nowrap; text-align: right; vertical-align: middle"><font style="font: x-small Arial">$</font></td>
   <td style="border-bottom: #000000 1.5pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">58,478</font></td>
   <td style="border-bottom: #000000 1.5pt solid; white-space: nowrap; text-align: left"></td>
   <td style="border-bottom: #000000 1.5pt solid; white-space: nowrap; text-align: left"></td>
   <td style="border-bottom: #000000 1.5pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">32,430</font></td>
   <td style="border-bottom: #000000 1.5pt solid; white-space: nowrap; text-align: left"></td></tr></table>

<p style="text-align: justify"><font style="font: x-small Arial">During 2019, the Company purchased property for the construction of a new bank headquarters in Greenville, South Carolina which resulted in a $4.7 million increase in land.</font></p>
<p style="text-align: justify"><font style="font: x-small Arial">Construction in process at December 31, 2019 included costs associated with the new bank headquarters, while the balance at December 31, 2018 included costs associated with the upfit of leased office space in Greensboro, North Carolina. Depreciation and amortization expense for the years ended December 31, 2019 and 2018 was $1.9 million and $1.8 million, respectively. Depreciation and amortization are charged to operations utilizing a straight-line method over the estimated useful lives of the assets. The estimated useful lives for the principal items follow:</font></p>

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   <td style="width: 49%; white-space: nowrap; text-align: left; border-bottom: #000000 1pt solid"><b><font style="font: xx-small Arial">Type of Asset</font></b></td>
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   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3</font></td></tr>
<tr style="vertical-align: bottom">
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   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>
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<tr style="vertical-align: bottom; background-color: Silver">
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   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">5 to 15</font></td></tr>
<tr style="vertical-align: bottom">
   <td style="width: 49%; white-space: nowrap; text-align: left; border-bottom: #000000 1.5pt solid"><font style="font: x-small Arial">Buildings</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1.5pt solid"><font style="font: x-small Arial"></font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right; border-bottom: #000000 1.5pt solid"><font style="font: x-small Arial">40</font></td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for long-lived, physical assets used in the normal conduct of business and not intended for resale. Includes, but is not limited to, accounting policies and methodology, roll forwards, depreciation, depletion and amortization expense, including composite depreciation, accumulated depreciation, depletion and amortization expense, useful lives and method used, income statement disclosures, assets held for sale and public utility disclosures.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 360<br> -URI http://asc.fasb.org/topic&amp;trid=2155823<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6918710080">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Reportable Segments (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2019</div></th>
<th class="th"><div>Dec. 31, 2018</div></th>
<th class="th"><div>Dec. 31, 2017</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SegmentReportingInformationLineItems', window );"><strong>Segment Reporting Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestAndDividendIncomeOperating', window );">Interest income</a></td>
<td class="nump">$ 92,652<span></span>
</td>
<td class="nump">$ 76,657<span></span>
</td>
<td class="nump">$ 61,209<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpense', window );">Interest expense</a></td>
<td class="nump">25,383<span></span>
</td>
<td class="nump">16,505<span></span>
</td>
<td class="nump">10,333<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestIncomeExpenseNet', window );">Net interest income (loss)</a></td>
<td class="nump">67,269<span></span>
</td>
<td class="nump">60,152<span></span>
</td>
<td class="nump">50,876<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses', window );">Provision for loan losses</a></td>
<td class="nump">2,300<span></span>
</td>
<td class="nump">1,900<span></span>
</td>
<td class="nump">2,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestIncome', window );">Noninterest income</a></td>
<td class="nump">14,983<span></span>
</td>
<td class="nump">10,201<span></span>
</td>
<td class="nump">9,337<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestExpense', window );">Noninterest expense</a></td>
<td class="nump">44,473<span></span>
</td>
<td class="nump">39,763<span></span>
</td>
<td class="nump">34,552<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest', window );">Net income (loss) before taxes</a></td>
<td class="nump">35,479<span></span>
</td>
<td class="nump">28,690<span></span>
</td>
<td class="nump">23,661<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Income tax provision (benefit)</a></td>
<td class="nump">7,621<span></span>
</td>
<td class="nump">6,401<span></span>
</td>
<td class="nump">10,616<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income (loss)</a></td>
<td class="nump">27,858<span></span>
</td>
<td class="nump">22,289<span></span>
</td>
<td class="nump">$ 13,045<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Assets', window );">Total assets</a></td>
<td class="nump">2,267,195<span></span>
</td>
<td class="nump">1,900,614<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementBusinessSegmentsAxis=us-gaap_MortgageBankingMember', window );">Mortgage Banking [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SegmentReportingInformationLineItems', window );"><strong>Segment Reporting Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestAndDividendIncomeOperating', window );">Interest income</a></td>
<td class="nump">729<span></span>
</td>
<td class="nump">375<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpense', window );">Interest expense</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestIncomeExpenseNet', window );">Net interest income (loss)</a></td>
<td class="nump">729<span></span>
</td>
<td class="nump">375<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses', window );">Provision for loan losses</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestIncome', window );">Noninterest income</a></td>
<td class="nump">9,923<span></span>
</td>
<td class="nump">5,544<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestExpense', window );">Noninterest expense</a></td>
<td class="nump">6,435<span></span>
</td>
<td class="nump">4,152<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest', window );">Net income (loss) before taxes</a></td>
<td class="nump">4,217<span></span>
</td>
<td class="nump">1,767<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Income tax provision (benefit)</a></td>
<td class="nump">886<span></span>
</td>
<td class="nump">389<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income (loss)</a></td>
<td class="nump">3,331<span></span>
</td>
<td class="nump">1,378<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Assets', window );">Total assets</a></td>
<td class="nump">27,356<span></span>
</td>
<td class="nump">8,602<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementBusinessSegmentsAxis=sfst_CommercialAndRetailBankingMember', window );">Commercial And Retail Banking [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SegmentReportingInformationLineItems', window );"><strong>Segment Reporting Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestAndDividendIncomeOperating', window );">Interest income</a></td>
<td class="nump">91,923<span></span>
</td>
<td class="nump">76,282<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpense', window );">Interest expense</a></td>
<td class="nump">24,467<span></span>
</td>
<td class="nump">15,922<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestIncomeExpenseNet', window );">Net interest income (loss)</a></td>
<td class="nump">67,456<span></span>
</td>
<td class="nump">60,360<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses', window );">Provision for loan losses</a></td>
<td class="nump">2,300<span></span>
</td>
<td class="nump">1,900<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestIncome', window );">Noninterest income</a></td>
<td class="nump">5,060<span></span>
</td>
<td class="nump">4,657<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestExpense', window );">Noninterest expense</a></td>
<td class="nump">37,798<span></span>
</td>
<td class="nump">35,371<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest', window );">Net income (loss) before taxes</a></td>
<td class="nump">32,418<span></span>
</td>
<td class="nump">27,746<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Income tax provision (benefit)</a></td>
<td class="nump">6,978<span></span>
</td>
<td class="nump">6,185<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income (loss)</a></td>
<td class="nump">25,440<span></span>
</td>
<td class="nump">21,561<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Assets', window );">Total assets</a></td>
<td class="nump">2,239,430<span></span>
</td>
<td class="nump">1,905,474<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementBusinessSegmentsAxis=us-gaap_CorporateMember', window );">Corporate Segment [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SegmentReportingInformationLineItems', window );"><strong>Segment Reporting Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestAndDividendIncomeOperating', window );">Interest income</a></td>
<td class="nump">13<span></span>
</td>
<td class="nump">9<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpense', window );">Interest expense</a></td>
<td class="nump">929<span></span>
</td>
<td class="nump">592<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestIncomeExpenseNet', window );">Net interest income (loss)</a></td>
<td class="num">(916)<span></span>
</td>
<td class="num">(583)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses', window );">Provision for loan losses</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestIncome', window );">Noninterest income</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestExpense', window );">Noninterest expense</a></td>
<td class="nump">240<span></span>
</td>
<td class="nump">240<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest', window );">Net income (loss) before taxes</a></td>
<td class="num">(1,156)<span></span>
</td>
<td class="num">(823)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Income tax provision (benefit)</a></td>
<td class="num">(243)<span></span>
</td>
<td class="num">(173)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income (loss)</a></td>
<td class="num">(913)<span></span>
</td>
<td class="num">(650)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Assets', window );">Total assets</a></td>
<td class="nump">242,069<span></span>
</td>
<td class="nump">187,327<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_srt_ConsolidationItemsAxis=us-gaap_IntersegmentEliminationMember', window );">Intersegment Eliminations [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SegmentReportingInformationLineItems', window );"><strong>Segment Reporting Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestAndDividendIncomeOperating', window );">Interest income</a></td>
<td class="num">(13)<span></span>
</td>
<td class="num">(9)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpense', window );">Interest expense</a></td>
<td class="num">(13)<span></span>
</td>
<td class="num">(9)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestIncomeExpenseNet', window );">Net interest income (loss)</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses', window );">Provision for loan losses</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestIncome', window );">Noninterest income</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestExpense', window );">Noninterest expense</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest', window );">Net income (loss) before taxes</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Income tax provision (benefit)</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income (loss)</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Assets', window );">Total assets</a></td>
<td class="num">$ (241,660)<span></span>
</td>
<td class="num">$ (200,789)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Assets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(11))<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 22<br> -URI http://asc.fasb.org/extlink&amp;oid=115929826&amp;loc=d3e8736-108599<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(12))<br> -URI http://asc.fasb.org/extlink&amp;oid=119400593&amp;loc=d3e572229-122910<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_Assets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of income (loss) from continuing operations, including income (loss) from equity method investments, before deduction of income tax expense (benefit), and income (loss) attributable to noncontrolling interest.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 940<br> -SubTopic 20<br> -Section 25<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=68072869&amp;loc=d3e41242-110953<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(10))<br> -URI http://asc.fasb.org/extlink&amp;oid=116634182&amp;loc=SL114868664-224227<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(8))<br> -URI http://asc.fasb.org/extlink&amp;oid=116637232&amp;loc=SL114874131-224263<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=109234566&amp;loc=d3e22694-107794<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(15))<br> -URI http://asc.fasb.org/extlink&amp;oid=116637391&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxExpenseBenefit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 22<br> -Subparagraph (h)<br> -URI http://asc.fasb.org/extlink&amp;oid=115929826&amp;loc=d3e8736-108599<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(h))<br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 20<br> -Section 45<br> -Paragraph 2<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=109238882&amp;loc=d3e38679-109324<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeTaxExpenseBenefit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestAndDividendIncomeOperating">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.1-5)<br> -URI http://asc.fasb.org/extlink&amp;oid=116637391&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestAndDividendIncomeOperating</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of the cost of borrowed funds accounted for as interest expense.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 835<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=6450988&amp;loc=d3e26243-108391<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 835<br> -SubTopic 30<br> -Section 45<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=114775744&amp;loc=d3e28555-108399<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 22<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=115929826&amp;loc=d3e8736-108599<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (210.5-03(11))<br> -URI http://asc.fasb.org/extlink&amp;oid=116634182&amp;loc=SL114868664-224227<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.9)<br> -URI http://asc.fasb.org/extlink&amp;oid=116637391&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The net amount of operating interest income (expense).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.10)<br> -URI http://asc.fasb.org/extlink&amp;oid=116637391&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestIncomeExpenseNet</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetIncomeLoss</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Total aggregate amount of all noninterest expense.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.14)<br> -URI http://asc.fasb.org/extlink&amp;oid=116637391&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NoninterestExpense</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.13)<br> -URI http://asc.fasb.org/extlink&amp;oid=116637391&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NoninterestIncome</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (c)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=118936363&amp;loc=SL6953423-111524<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.11)<br> -URI http://asc.fasb.org/extlink&amp;oid=116637391&amp;loc=SL114874048-224260<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=118932676&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<tr>
<td><strong> Name:</strong></td>
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6920538000">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Regulatory Matters<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2019</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_RegulatoryMattersAbstract', window );"><strong>Regulatory Matters [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock', window );">Regulatory Matters</a></td>
<td class="text"><div><p style="text-align: justify"><b><font style="font: x-small Arial">NOTE 23 &#8211; Regulatory Matters</font></b></p>

<p style="text-align: justify"><font style="font: x-small Arial">The Bank is subject to various regulatory capital requirements administered by the federal banking agencies. The capital rules require banks and bank holding companies (other than bank holding companies, such as the Company, that qualify under the Federal Reserve&#8217;s Small Bank Holding Company Policy Statement) to maintain a minimum total risked-based capital ratio of at least 8%, a total Tier 1 capital ratio of at least 6%, a minimum common equity Tier 1 capital ratio of at least 4.5%, and a leverage ratio of at least 4%. Bank holding companies and banks are also required to hold a capital conservation buffer of common equity Tier 1 capital of 2.5% to avoid limitations on capital distributions and discretionary executive compensation payments. The capital conservation buffer will be phased in incrementally over time, becoming fully effective on January 1, 2019, and will consist of an additional amount of common equity equal to 2.5% of risk-weighted assets.</font></p>

<p style="text-align: justify"><font style="font: x-small Arial">To be considered &#8220;well-capitalized&#8221;
for purposes of certain rules and prompt corrective action requirements, the Bank must maintain a minimum total risked-based capital
ratio of at least 10%, a total Tier 1 capital ratio of at least 8%, a common equity Tier 1 capital ratio of at least 6.5%, and
a leverage ratio of at least 5%. As of December 31, 2019, our capital ratios exceed these ratios and we remain &#8220;well capitalized.&#8221;</font></p>



<p style="text-align: justify"><font style="font: x-small Arial">The following table summarizes the capital amounts and ratios of the Bank and the Company and the regulatory minimum requirements at December 31, 2019 and 2018.</font></p>

<table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse">


<tr style="vertical-align: bottom">
   <td style="border-top: Black 1.5pt solid; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td></tr>


<tr style="vertical-align: bottom">

   <td style="width: 85%; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="4" style="width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">To be well</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 85%; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="4" style="width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">capitalized</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 85%; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td colspan="3" style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">For capital</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="4" style="width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">under prompt</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 85%; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td colspan="3" style="width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">adequacy purposes</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="4" style="width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">corrective action</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 85%; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"><b><font style="font: xx-small Arial">Actual</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="4" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">minimum</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="4" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">provisions minimum</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 85%; text-align: left"><font style="font: xx-small Arial">(dollars in thousands)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial"></font></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: center"><b><font style="font: xx-small Arial">Amount</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"><b><font style="font: xx-small Arial">Ratio</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: center"><b><font style="font: xx-small Arial">Amount</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"><b><font style="font: xx-small Arial">Ratio</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: center"><b><font style="font: xx-small Arial">Amount</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"><b><font style="font: xx-small Arial">Ratio</font></b></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 85%; text-align: left"><b><font style="font: x-small Arial">As of December 31, 2019</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial"></font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 85%; text-align: left"><i><font style="font: x-small Arial">The Bank</font></i></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><i><font style="font: x-small Arial"></font></i></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 85%; text-align: left"><font style="font: x-small Arial">Total Capital (to risk weighted assets)</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">250,847</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">&#160;&#160;&#160;&#160;&#160;</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">13.31%</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">150,807</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">8.00%</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"><font style="font: x-small Arial">&#160;$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">188,510</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">10.00%</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 85%; text-align: left"><font style="font: x-small Arial">Tier 1 Capital (to risk weighted assets)</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">234,205</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">12.42%</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">113,106</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">6.00%</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">150,807</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">8.00%</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 85%; text-align: left"><font style="font: x-small Arial">Common Equity Tier 1 Capital (to risk weighted assets)</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">234,205</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">12.42%</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">84,829</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4.50%</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">122,531</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">6.50%</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 85%; text-align: left"><font style="font: x-small Arial">Tier 1 Capital (to average assets)</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">234,205</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">10.80%</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">86,772</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4.00%</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">108,465</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">5.00%</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 85%; text-align: left"><i><font style="font: x-small Arial">&#160;</font></i></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><i><font style="font: x-small Arial"></font></i></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 85%; text-align: left"><i><font style="font: x-small Arial">The Company</font></i><i><font style="font: x-small Arial"><sup>(1)</sup></font></i></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><i><font style="font: x-small Arial"></font></i></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 85%; text-align: left"><font style="font: x-small Arial">Total Capital (to risk weighted assets)</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">258,800</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">13.73%</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">150,807</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">8.00%</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">n/a</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">n/a</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 85%; text-align: left"><font style="font: x-small Arial">Tier 1 Capital (to risk weighted assets)</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">219,158</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">11.63%</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">113,106</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">6.00%</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">n/a</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">n/a</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 85%; text-align: left"><font style="font: x-small Arial">Common Equity Tier 1 Capital (to risk weighted assets)</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">206,158</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">10.94%</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">84,829</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4.50%</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">n/a</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">n/a</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1.5pt solid; width: 85%; text-align: left"><font style="font: x-small Arial">Tier 1 Capital (to average assets)</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">219,158</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">10.10%</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">86,772</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4.00%</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">n/a</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">n/a</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 85%; text-align: left">&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 85%; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="4" style="width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">To be well</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 85%; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="4" style="width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">capitalized</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 85%; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="4" style="width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">For capital</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="4" style="width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">under prompt</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 85%; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="4" style="width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">adequacy purposes</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="4" style="width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">corrective action</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 85%; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"><b><font style="font: xx-small Arial">Actual</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td colspan="4" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">minimum</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td colspan="4" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">provisions minimum</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 85%; text-align: left"><font style="font: xx-small Arial">(dollars in thousands)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial"></font></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: center"><b><font style="font: xx-small Arial">Amount</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"><b><font style="font: xx-small Arial">Ratio</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: center"><b><font style="font: xx-small Arial">Amount</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"><b><font style="font: xx-small Arial">Ratio</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: center"><b><font style="font: xx-small Arial">Amount</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"><b><font style="font: xx-small Arial">Ratio</font></b></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 85%; text-align: left"><b><font style="font: x-small Arial">As of December 31, 2018</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial"></font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 85%; text-align: left"><i><font style="font: x-small Arial">The Bank</font></i></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><i><font style="font: x-small Arial"></font></i></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 85%; text-align: left"><font style="font: x-small Arial">Total Capital (to risk weighted assets)</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">198,195</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">12.16%</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">130,368</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">8.00%</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">162,960</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">10.00%</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 85%; text-align: left"><font style="font: x-small Arial">Tier 1 Capital (to risk weighted assets)</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">182,433</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">11.20%</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">97,776</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">6.00%</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">130,368</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">8.00%</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 85%; text-align: left"><font style="font: x-small Arial">Common Equity Tier 1 Capital (to risk weighted assets)</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">182,433</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">11.20%</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">73,332</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4.50%</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">105,924</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">6.50%</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 85%; text-align: left"><font style="font: x-small Arial">Tier 1 Capital (to average assets)</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">182,433</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">9.84%</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">74,126</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4.00%</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">92,658</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">5.00%</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 85%; text-align: left"><i><font style="font: x-small Arial">&#160;</font></i></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><i><font style="font: x-small Arial"></font></i></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 85%; text-align: left"><i><font style="font: x-small Arial">The Company</font></i><i><font style="font: x-small Arial"><sup>(1)</sup></font></i></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><i><font style="font: x-small Arial"></font></i></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 85%; text-align: left"><font style="font: x-small Arial">Total Capital (to risk weighted assets)</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">203,595</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">12.49%</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">130,368</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">8.00%</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">n/a</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">n/a</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 85%; text-align: left"><font style="font: x-small Arial">Tier 1 Capital (to risk weighted assets)</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">187,833</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">11.53%</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">97,776</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">6.00%</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">n/a</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">n/a</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 85%; text-align: left"><font style="font: x-small Arial">Common Equity Tier 1 Capital (to risk weighted assets)</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">174,833</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">10.73%</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">73,332</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4.50%</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">n/a</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">n/a</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1.5pt solid; width: 85%; text-align: left"><font style="font: x-small Arial">Tier 1 Capital (to average assets)</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">187,833</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">10.14%</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">74,126</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4.00%</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">n/a</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">n/a</font></td></tr>


</table>



<br />
<div>

<table cellspacing="0" cellpadding="0" border="0" style="width: 100%">



<tr>

   <td style="padding-right: 8pt; width: 1%; vertical-align: top; text-align: left">



   <p style="text-align: justify"><i><font style="font: xx-small Arial">(1)</font></i></p></td>

   <td style="width: 99%">



   <p style="text-align: justify"><i><font style="font: xx-small Arial">Under the Federal Reserve&#8217;s Small Bank Holding Company Policy Statement, the Company is not subject to the minimum capital adequacy and capital conservation buffer capital requirements at the holding company level, unless otherwise advised by the Federal Reserve (such capital requirements are applicable only at the Bank level). Although the minimum regulatory capital requirements are not applicable to the Company, we calculate these ratios for our own planning and monitoring purposes.</font></i></p></td></tr></table></div></div><span></span>
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6913728544">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Summary of Significant Accounting Policies and Activities (Policies)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2019</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountingPoliciesAbstract', window );"><strong>Accounting Policies [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_BusinessActivityPolicyTextBlock', window );">Business activity</a></td>
<td class="text"><div><p style="text-align: justify"><b><i><font style="font: x-small Arial">Southern First Bancshares, Inc. </font></i></b><font style="font: x-small Arial">(the "Company") is a South Carolina corporation that owns all of the capital stock of Southern First Bank (the "Bank") and all of the stock of Greenville First Statutory Trust I and II (collectively, the "Trusts"). The Trusts are special purpose non-consolidated entities organized for the sole purpose of issuing trust preferred securities. The Bank's primary federal regulator is the Federal Deposit Insurance Corporation (the "FDIC"). The Bank is also regulated and examined by the South Carolina Board of Financial Institutions. The Bank is primarily engaged in the business of accepting demand deposits and savings deposits insured by the FDIC, and providing commercial, consumer and mortgage loans to the general public.</font></p></div><span></span>
</td>
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<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_BasisOfAccountingPolicyPolicyTextBlock', window );">Basis of Presentation</a></td>
<td class="text"><div><p style="text-align: justify"><i><font style="font: x-small Arial">Basis of Presentation</font></i></p>
<p style="text-align: justify"><font style="font: x-small Arial">The accompanying consolidated financial statements include the accounts of the Company and its wholly owned subsidiary, Southern First Bank. In consolidation, all significant intercompany transactions have been eliminated. The accounting and reporting policies conform to accounting principles generally accepted in the United States of America. In accordance with guidance issued by the Financial Accounting Standards Board (&#8220;FASB&#8221;), the operations of the Trusts have not been consolidated in these financial statements.</font></p></div><span></span>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SegmentReportingPolicyPolicyTextBlock', window );">Business Segments</a></td>
<td class="text"><div><p style="text-align: justify"><i><font style="font: x-small Arial">Business Segments</font></i></p>
<p style="text-align: justify"><font style="font: x-small Arial">ASC Topic 280-10, &#8220;Segment Reporting,&#8221; requires selected segment information of operating segments based on a management approach. The Company&#8217;s three reportable segments represent the distinct product lines the Company offers and are viewed separately for strategic planning by management. Please refer to &#8220;Note 24 &#8211; Reportable Segments&#8221; for further information on the reporting for the Company&#8217;s three business segments.</font></p></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_UseOfEstimates', window );">Use of Estimates</a></td>
<td class="text"><div><p style="text-align: justify"><i><font style="font: x-small Arial">Use of Estimates</font></i></p>
<p style="text-align: justify"><font style="font: x-small Arial">The preparation of consolidated financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities as of the date of the consolidated financial statements and the reported amount of income and expenses during the reporting periods. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for loan losses, derivatives, real estate acquired in settlement of loans, fair value of financial instruments, evaluating other-than-temporary-impairment of investment securities and valuation of deferred tax assets.</font></p></div><span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ConcentrationRiskCreditRisk', window );">Risks and Uncertainties</a></td>
<td class="text"><div><p style="text-align: justify"><i><font style="font: x-small Arial">Risks and Uncertainties</font></i></p>
<p style="text-align: justify"><font style="font: x-small Arial">In the normal course of its business, the Company encounters two significant types of risks: economic and regulatory. There are three main components of economic risk: interest rate risk, credit risk and market risk. The Company is subject to interest rate risk to the degree that its interest-bearing liabilities mature or reprice at different speeds, or on different bases, than its interest-earning assets. Credit risk is the risk of default within the Company&#8217;s loan portfolio that results from borrowers&#8217; inability or unwillingness to make contractually required payments. Market risk reflects changes in the value of collateral underlying loans receivable and the valuation of real estate held by the Company.</font></p>
<p style="text-align: justify"><font style="font: x-small Arial">The Company is subject to the regulations of various governmental agencies. These regulations can and do change significantly from period to period. The Company also undergoes periodic examinations by the regulatory agencies, which may subject it to changes with respect to valuation of assets, amount of required loan loss allowance and operating restrictions resulting from the regulators&#8217; judgments based on information available to them at the time of their examinations.</font></p>
<p style="text-align: justify"><font style="font: x-small Arial">The Bank makes loans to individuals and businesses in the Upstate, Midlands, and Lowcountry regions of South Carolina as well as the Triangle and Triad regions of North Carolina and Atlanta, Georgia for various personal and commercial purposes. The Bank&#8217;s loan portfolio has a concentration of real estate loans. As of December 31, 2019 and 2018, real estate loans represented 82.8% and 82.3%, respectively, of total loans. However, borrowers&#8217; ability to repay their loans is not dependent upon any specific economic sector.</font></p></div><span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SubsequentEventsPolicyPolicyTextBlock', window );">Subsequent Events</a></td>
<td class="text"><div><p style="text-align: justify"><i><font style="font: x-small Arial">Subsequent Events</font></i></p>
<p style="text-align: justify"><font style="font: x-small Arial">Subsequent events are events or transactions
that occur after the balance sheet date but before financial statements are issued. Recognized subsequent events are events or
transactions that provide additional evidence about conditions that existed at the date of the balance sheet, including the estimates
inherent in the process of preparing financial statements. Non-recognized subsequent events are events that provide evidence about
conditions that did not exist at the date of the balance sheet but arose after that date. Management performed an evaluation to
determine whether there have been any subsequent events since the balance sheet date and determined that no subsequent events
occurred requiring accrual or disclosure.</font></p></div><span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PriorPeriodReclassificationAdjustmentDescription', window );">Reclassifications</a></td>
<td class="text"><div><p style="text-align: justify"><i><font style="font: x-small Arial">Reclassifications</font></i></p>
<p style="text-align: justify"><font style="font: x-small Arial">Certain amounts, previously reported, have been reclassified to state all periods on a comparable basis and had no effect on shareholders&#8217; equity or net income.</font></p></div><span></span>
</td>
</tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsPolicyTextBlock', window );">Cash and Cash Equivalents</a></td>
<td class="text"><div><p style="text-align: justify"><i><font style="font: x-small Arial">Cash and Cash Equivalents</font></i></p>
<p style="text-align: justify"><font style="font: x-small Arial">Cash and cash equivalents include cash and due from banks, interest bearing deposits and federal funds sold. Cash and cash equivalents have original maturities of three months or less, and federal funds sold are generally purchased and sold for one-day periods. Accordingly, the carrying value of these instruments is deemed to be a reasonable estimate of fair value. At December 31, 2019 and 2018, included in cash and cash equivalents was $6.0 million and $4.9 million, respectively, on deposit with the Federal Reserve Bank.</font></p></div><span></span>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InvestmentPolicyTextBlock', window );">Investment Securities</a></td>
<td class="text"><div><p style="text-align: justify"><i><font style="font: x-small Arial">Investment Securities</font></i></p>
<p style="text-align: justify"><font style="font: x-small Arial">We classify our investment securities as held to maturity securities, trading securities and available for sale securities as applicable.</font></p>
<p style="text-align: justify"><font style="font: x-small Arial">Investment securities are designated as held to maturity if we have the intent and the ability to hold the securities to maturity. Held to maturity securities are carried at amortized cost, adjusted for the amortization of any related premiums or the accretion of any related discounts into interest income using a methodology which approximates a level yield of interest over the estimated remaining period until maturity. Unrealized losses on held to maturity securities, reflecting a decline in value judged by us to be other than temporary, are charged to income in the Consolidated Statements of Income.</font></p>
<p style="text-align: justify"><font style="font: x-small Arial">Investment securities that are purchased and held principally for the purpose of selling in the near term are reported as trading securities. Trading securities are carried at fair value with unrealized holding gains and losses included in earnings.</font></p>
<p style="text-align: justify"><font style="font: x-small Arial">We classify investment securities as available for sale when at the time of purchase we determine that such securities may be sold at a future date or if we do not have the intent or ability to hold such securities to maturity. Securities designated as available for sale are recorded at fair value. Changes in the fair value of available for sale debt securities are included in shareholders&#8217; equity as unrealized gains or losses, net of the related tax effect. Unrealized losses on available for sale securities, reflecting a decline in value judged to be other than temporary, are charged to income in the Consolidated Statements of Income. Realized gains or losses on available for sale securities are computed on the specific identification basis.</font></p></div><span></span>
</td>
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<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_OtherInvestmentsPolicyTextBlock', window );">Other Investments</a></td>
<td class="text"><div><p style="text-align: justify"><i><font style="font: x-small Arial">Other Investments</font></i></p>
<p style="text-align: justify"><font style="font: x-small Arial">The Bank, as a member institution, is required to own a stock investment in the Federal Home Loan Bank of Atlanta (&#8220;FHLB&#8221;). This stock is generally pledged against any borrowings from the FHLB and cash dividends on our FHLB stock are recorded in investment income. No ready market exists for these stocks and they have no quoted market value. However, redemption of this stock has historically been at par value. Other investments also include a $403,000 investment in the Trusts.</font></p></div><span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinanceLoansAndLeasesReceivablePolicy', window );">Loans</a></td>
<td class="text"><div><p style="text-align: justify"><i><font style="font: x-small Arial">Loans</font></i></p>
<p style="text-align: justify"><font style="font: x-small Arial">Loans are stated at the principal balance
outstanding. Unamortized net loan fees and the allowance for possible loan losses are deducted from total loans on the balance
sheets. Interest income is recognized over the term of the loan based on the principal amount outstanding. The net of loan origination
fees received and direct costs incurred in the origination of loans is deferred and amortized to interest income over the contractual
life of the loans adjusted for actual principal prepayments using a method approximating the interest method.</font></p></div><span></span>
</td>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivablePastDueStatusPolicy', window );">Nonaccrual and Past Due Loans</a></td>
<td class="text"><div><p style="text-align: justify"><i><font style="font: x-small Arial">Nonaccrual and Past Due Loans</font></i></p>
<p style="text-align: justify"><font style="font: x-small Arial">Loans are generally placed on nonaccrual status when principal or interest becomes 90 days past due, or when payment in full is not anticipated. When a loan is placed on nonaccrual status, interest accrued but not received is generally reversed against interest income. Cash receipts on nonaccrual loans are not recorded as interest income, but are used to reduce the loan&#8217;s principal balance. A nonaccrual loan is generally returned to accrual status and accrual of interest is resumed when payments have been made according to the terms and conditions of the loan for a continuous six month period. Our loans are considered past due when contractually required principal or interest payments have not been made on the due dates.</font></p></div><span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNonperformingLoanAndLeasePolicy', window );">Nonperforming Assets</a></td>
<td class="text"><div><p style="text-align: justify"><i><font style="font: x-small Arial">Nonperforming Assets</font></i></p>
<p style="text-align: justify"><font style="font: x-small Arial">Nonperforming assets include real estate acquired through foreclosure or deed taken in lieu of foreclosure, loans on nonaccrual status and loans past due 90 days or more and still accruing interest. Loans are placed on nonaccrual status when, in the opinion of management, the collection of additional interest is uncertain. Thereafter no interest is taken into income until such time as the borrower demonstrates the ability to pay both principal and interest.</font></p></div><span></span>
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<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivablePolicyPolicyTextBlock', window );">Impaired Loans</a></td>
<td class="text"><div><p style="text-align: justify"><i><font style="font: x-small Arial">Impaired Loans</font></i></p>
<p style="text-align: justify"><font style="font: x-small Arial">Our impaired loans include loans on nonaccrual status and loans modified in a troubled debt restructuring (&#8220;TDR&#8221;), whether on accrual or nonaccrual status. For loans that are classified as impaired, an allowance is established when the fair value (discounted cash flows, collateral value, or observable market price) of the impaired loan less costs to sell, are lower than the carrying value of that loan. A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due, among other factors. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including, without limitation, the length of the delay, the reasons for the delay, the borrower's prior payment record, and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan by loan basis for commercial and consumer loans by either the present value of expected future cash flows discounted at the loan's effective interest rate, the loan's obtainable market price, or the fair value of the collateral if the loan is collateral dependent.</font></p></div><span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_LoanChargeOffPolicyPolicyTextBlock', window );">Loan Charge-off Policy</a></td>
<td class="text"><div><p style="text-align: justify"><i><font style="font: x-small Arial">Loan Charge-off Policy</font></i></p>
<p style="text-align: justify"><font style="font: x-small Arial">For commercial loans, we generally fully charge off or charge collateralized loans down to net realizable value when management determines the loan to be uncollectible; repayment is deemed to be projected beyond reasonable time frames; the loan has been classified as a loss by either our internal loan review process or our banking regulatory agencies; the client has filed bankruptcy and the loss becomes evident owing to a lack of assets; or the loan is 120 days past due unless both well-secured and in the process of collection. For consumer loans, we generally charge down to net realizable value when the loan is 180 days past due.</font></p></div><span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableTroubledDebtRestructuringPolicy', window );">Troubled Debt Restructuring (TDRs)</a></td>
<td class="text"><div><p style="text-align: justify"><i><font style="font: x-small Arial">Troubled Debt Restructuring (TDRs)</font></i></p>
<p style="text-align: justify"><font style="font: x-small Arial">The Company considers a loan to be a TDR when the debtor experiences financial difficulties and the Company provides concessions such that we will not collect all principal and interest in accordance with the original terms of the loan agreement. Concessions can relate to the contractual interest rate, maturity date, or payment structure of the note. As part of our workout plan for individual loan relationships, we may restructure loan terms to assist borrowers facing challenges in the current economic environment.</font></p>
<p style="text-align: justify"><font style="font: x-small Arial">Our policy with respect to accrual of interest
on loans restructured in a TDR follows relevant supervisory guidance. That is, if a borrower has demonstrated performance under
the previous loan terms and shows capacity to perform under the restructured loan terms; continued accrual of interest at the
restructured interest rate is likely. If a borrower was materially delinquent on payments prior to the restructuring, but shows
capacity to meet the restructured loan terms, the loan will likely continue as nonaccrual going forward. Lastly, if the borrower
does not perform under the restructured terms, the loan is placed on nonaccrual status. We will continue to closely monitor these
loans and will cease accruing interest on them if management believes that the borrowers may not continue performing based on
the restructured note terms. If, after previously being classified as a TDR, a loan is restructured a second time and the borrower
continues to experience financial difficulties, then that loan is automatically placed on nonaccrual status. Our policy with respect
to nonperforming loans requires the borrower to make a minimum of six consecutive payments of principal and interest in accordance
with the loan terms before that loan can be placed back on accrual status. Further, the borrower must show capacity to continue
performing into the future prior to restoration of accrual status. In addition, our policy, in accordance with supervisory guidance,
also provides for a loan to be removed from TDR status if the loan is modified or renewed at terms consistent with current market
rates and the loan has been performing under modified terms for an extended period of time or under certain circumstances.</font></p>



<p style="text-align: justify"><font style="font: x-small Arial">In the determination of the allowance for loan losses, management considers TDRs on commercial and consumer loans and subsequent defaults in these restructurings by measuring impairment, on a loan by loan basis, based on either the present value of expected future cash flows discounted at the loan's effective interest rate, the loan's obtainable market price, or the fair value of the collateral, less costs to sell, if the loan is collateral dependent.</font></p></div><span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowanceForLoanLossesPolicy', window );">Allowance for Loan Losses</a></td>
<td class="text"><div><p style="text-align: justify"><i><font style="font: x-small Arial">Allowance for Loan Losses</font></i></p>
<p style="text-align: justify"><font style="font: x-small Arial">The allowance for loan losses is management&#8217;s estimate of credit losses inherent in the loan portfolio. The allowance for loan losses is established as losses are estimated to have occurred through a provision for loan losses charged to earnings. Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. The allowance for loan losses is evaluated on a regular basis by management and is based upon management&#8217;s periodic review of the collectability of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower&#8217;s ability to repay, the estimated value of any underlying collateral and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available.</font></p>
<p style="text-align: justify"><font style="font: x-small Arial">We have an established process to determine the adequacy of the allowance for loan losses that assesses the losses inherent in our portfolio. While we attribute portions of the allowance to specific portfolio segments, the entire allowance is available to absorb credit losses inherent in the total loan portfolio. Our process involves procedures to appropriately consider the unique risk characteristics of our commercial and consumer loan portfolio segments. For each portfolio segment, impairment is measured individually for each impaired loan. Our allowance levels are influenced by loan volume, loan grade or delinquency status, historic loss experience and other economic conditions. See Note 4 to the Consolidated Financial Statements for additional information on the allowance for loan losses.</font></p></div><span></span>
</td>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RealEstatePolicyTextBlock', window );">Other Real Estate Owned</a></td>
<td class="text"><div><p style="text-align: justify"><i><font style="font: x-small Arial">Other Real Estate Owned</font></i></p>
<p style="text-align: justify"><font style="font: x-small Arial">Real estate acquired through foreclosure is initially recorded at the lower of cost or estimated fair value less selling costs. Subsequent to the date of acquisition, it is carried at the lower of cost or fair value, adjusted for net selling costs. Fair values of real estate owned are reviewed regularly and write-downs are recorded when it is determined that the carrying value of real estate exceeds the fair value less estimated costs to sell. Costs relating to the development and improvement of such property are capitalized, whereas those costs relating to holding the property are expensed.</font></p></div><span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentPolicyTextBlock', window );">Property and Equipment</a></td>
<td class="text"><div><p style="text-align: justify"><i><font style="font: x-small Arial">Property and Equipment</font></i></p>
<p style="text-align: justify"><font style="font: x-small Arial">Property and equipment are stated at cost. Major repairs are charged to operations, while major improvements are capitalized. Depreciation is computed using the straight-line method over the estimated useful lives of the related assets. Upon retirement, sale, or other disposition of property and equipment, the cost and accumulated depreciation are eliminated from the accounts, and gain or loss is included in income from operations.</font></p>
<p style="text-align: justify"><font style="font: x-small Arial">Construction in progress is stated at cost, which includes the cost of construction and other direct costs attributable to the construction. No provision for depreciation is made on construction in progress until such time as the relevant assets are completed and put into use.</font></p></div><span></span>
</td>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_BankOwnedLifeInsurancePoliciesPolicyTextBlock', window );">Bank Owned Life Insurance Policies</a></td>
<td class="text"><div><p style="text-align: justify"><i><font style="font: x-small Arial">Bank Owned Life Insurance Policies</font></i></p>
<p style="text-align: justify"><font style="font: x-small Arial">Bank owned life insurance policies represent the cash value of policies on certain officers of the Company.</font></p></div><span></span>
</td>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ComprehensiveIncomePolicyPolicyTextBlock', window );">Comprehensive Income</a></td>
<td class="text"><div><p style="text-align: justify"><i><font style="font: x-small Arial">Comprehensive Income</font></i></p>
<p style="text-align: justify"><font style="font: x-small Arial">Comprehensive income (loss) consists of net
income and net unrealized gains (losses) on securities and is presented in the statements of shareholders&#8217; equity and comprehensive
income. The statement requires only additional disclosures in the consolidated financial statements; it does not affect our results
of operations.</font></p></div><span></span>
</td>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RevenueFromContractWithCustomerPolicyTextBlock', window );">Revenue from Contracts with Customers</a></td>
<td class="text"><div><p style="text-align: justify"><i><font style="font: x-small Arial">Revenue from Contracts with Customers</font></i></p>

<p style="text-align: justify"><font style="font: x-small Arial">The Company records revenue from contracts with customers in accordance with Accounting Standards Codification Topic 606, &#8220;Revenue from Contracts with Customers&#8221; (&#8220;Topic 606&#8221;). Under Topic 606, the Company must identify the contract with a customer, identify the performance obligations in the contract, determine the transaction price, allocate the transaction price to the performance obligations in the contract, and recognize revenue when (or as) the Company satisfies a performance obligation. Significant revenue has not been recognized in the current reporting period that results from performance obligations satisfied in previous periods.</font></p>

<p style="text-align: justify"><font style="font: x-small Arial">The Company&#8217;s primary sources of revenue are derived from interest and dividends earned on loans, investment securities, and other financial instruments that are not within the scope of Topic 606. The Company has evaluated the nature of its contracts with customers and determined that further disaggregation of revenue from contracts with customers into more granular categories beyond what is presented in the Consolidated Statements of Income was not necessary. The Company generally fully satisfies its performance obligations on its contracts with customers as services are rendered and the transaction prices are typically fixed; charged either on a periodic basis or based on activity. Our accounting policies did not change materially since the principles of revenue recognition from Topic 606 are largely consistent with existing guidance and current practices applied by our business. The following is a discussion of revenues within the scope of the guidance:</font></p>

<table cellspacing="0" cellpadding="0" border="0" style="width: 100%; font: 10pt Arial; border-collapse: collapse; text-align: justify">



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   <td style="padding-left: 15pt; padding-right: 8pt; vertical-align: top; width: 1%"><font style="font-size: 9.5pt">&#9679;</font></td>

   <td style="vertical-align: top; width: 99%"><i><font style="font: x-small Arial">Service fees on deposit accounts </font></i><font style="font: x-small Arial">- The Company earns fees from its deposit clients for various transaction-based, account maintenance, and overdraft or non-sufficient funds (&#8220;NSF&#8221;) services. Transaction-based fees, which include services such as stop payment charges, statement rendering, and ACH fees, are recognized at the time the transaction is executed as that is the point in time the Company fulfills the client's request. Account maintenance fees, which relate primarily to monthly maintenance and account management, are earned over the course of a month, representing the period over which the Company satisfies the performance obligation. Overdraft and NSF fees are recognized at the point in time that the overdraft occurs or the NSF item is presented. Service charges on deposits are withdrawn from the client's account balance.</font></td></tr>

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   <td style="padding-left: 15pt; padding-right: 8pt; vertical-align: top">&#160;</td>
   <td style="vertical-align: top">&#160;</td></tr>
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   <td style="padding-left: 15pt; padding-right: 8pt; vertical-align: top; width: 1%"><font style="font-size: 9.5pt">&#9679;</font></td>

   <td style="vertical-align: top; width: 99%"><i><font style="font: x-small Arial">ATM and debit card income </font></i><font style="font: x-small Arial">- The Company earns interchange fees from debit cardholder transactions conducted through the payment networks. Interchange fees from cardholder transactions represent a percentage of the underlying transaction value and are recognized daily, concurrently with the transaction processing services provided to the cardholder.</font></td></tr></table></div><span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxPolicyTextBlock', window );">Income Taxes</a></td>
<td class="text"><div><p style="text-align: justify"><i><font style="font: x-small Arial">Income Taxes</font></i></p>

<p style="text-align: justify"><font style="font: x-small Arial">The financial statements have been prepared on the accrual basis. When income and expenses are recognized in different periods for financial reporting purposes versus for the purposes of computing income taxes currently payable, deferred taxes are provided on such temporary differences. Deferred tax assets and liabilities are recognized for the expected future tax consequences of events that have been recognized in the consolidated financial statements or tax returns. Deferred tax assets and liabilities are measured using the enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be realized or settled. The Company believes that its income tax filing positions taken or expected to be taken on its tax returns will more likely than not be sustained upon audit by the taxing authorities and does not anticipate any adjustments that will result in a material adverse impact on the Company&#8217;s financial condition, results of operations, or cash flow. Therefore, no reserves for uncertain income tax positions have been recorded. The Company&#8217;s federal and state income tax returns are open and subject to examination from the 2016 tax return year and forward.</font></p>

<p style="text-align: justify"><font style="font: x-small Arial">On December 22, 2017, the Tax Act was signed into law and includes numerous provisions that impact the Company, most notably a reduction in the corporate tax rate from the maximum rate of 35% to a flat rate of 21%. As a result, the Company recorded an incremental income tax expense of $2.4 million in the fourth quarter of 2017.</font></p></div><span></span>
</td>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationOptionAndIncentivePlansPolicy', window );">Stock-Based Compensation</a></td>
<td class="text"><div><p style="text-align: justify"><i><font style="font: x-small Arial">Stock-Based Compensation</font></i></p>

<p style="text-align: justify"><font style="font: x-small Arial">The Company has a stock-based employee compensation
plan. Compensation cost is recognized for all stock options granted and for any outstanding unvested awards as if the fair value
method had been applied to those awards as of the date of grant.</font></p>

</div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock', window );">Adoption of New Accounting Standards</a></td>
<td class="text"><div><p style="text-align: justify"><i><font style="font: x-small Arial">Adoption of New Accounting Standards</font></i></p>

<p style="text-align: justify"><font style="font: x-small Arial">In February 2016, the FASB issued ASU No. 2016-02, </font><i><font style="font: x-small Arial">&#8220;Leases (Topic 842)&#8221;</font></i><font style="font: x-small Arial">. The guidance in the update supersedes the requirements in ASC Topic 840, Leases. The guidance is intended to increase transparency and comparability among organizations by recognizing right-of-use (&#8220;ROU&#8221;) assets and lease liabilities on the balance sheet. For public companies, this update was effective for interim and annual periods beginning after December 15, 2018. The Company adopted this guidance in the first quarter of 2019. Upon adoption, the Company elected a practical expedient which allows existing leases to retain their classification as operating leases. The Company has also elected to not recognize right-of-use assets and lease liabilities arising from short-term leases. Implementation of the guidance resulted in the recording of a right-of-use asset and lease liability on the balance sheet; however it does not have a material impact on the Company's other consolidated financial statements. See additional disclosures in Note 7.</font></p></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_EffectiveAccountingStandardsNewlyIssuedPolicyTextBlock', window );">Newly Issued, But Not yet Effective Accounting Standards</a></td>
<td class="text"><div><p style="text-align: justify"><i><font style="font: x-small Arial">Newly Issued, But Not yet Effective Accounting Standards</font></i></p>

<p style="text-align: justify"><font style="font: x-small Arial">In June 2016, the FASB issued ASU 2016-13, </font><i><font style="font: x-small Arial">&#8220;Financial Instruments &#8211; Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments&#8221;</font></i><font style="font: x-small Arial">. Among other things, ASU 2016-13 requires the measurement of all expected credit losses for financial assets held at the reporting date based on historical experience, current conditions, and reasonable and supportable forecasts. Financial institutions and other organizations will now use forward-looking information to form their credit loss estimates. Many of the loss estimation techniques applied today will still be permitted, although the inputs to those techniques will change to reflect the full amount of expected credit losses. In addition, ASU 2016-13 amends the accounting for credit losses on debt securities and purchased financial assets with credit deterioration. ASU 2016-13 was originally effective for all annual and interim periods beginning after December 31, 2019, with early adoption permitted for fiscal years beginning after December 15, 2018. Adoption will be applied through a cumulative-effect adjustment to retained earnings as of the beginning of the first reporting period in which the guidance is effective. The Company has established a team of individuals from credit, finance and risk management to evaluate the requirements of the new standard and the impact it will have on its processes.</font></p>

<p style="text-align: justify"><font style="font: x-small Arial">In November 2019, the FASB issued guidance that addresses issues raised by stakeholders during the implementation of ASU 2016-13, </font><i><font style="font: x-small Arial">&#8220;Financial Instruments &#8211; Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments&#8221;</font></i><font style="font: x-small Arial">. The amendments affect a variety of Topics in the Accounting Standards Codification. For public business entities that meet the definition of a smaller reporting company, such as the Company, the amendments are effective for fiscal years beginning after December 15, 2022 including interim periods within those fiscal years. Early adoption is permitted in any interim period as long as the Company has adopted to amendments in ASU 2016-13. Currently, the Company does not expect to adopt the ASU before the effective period.</font></p>

<p style="text-align: justify"><font style="font: x-small Arial">Other accounting standards that have been issued or proposed by the FASB or other standards-setting bodies that do not require adoption until a future date are not expected to have a material impact on the consolidated financial statements upon adoption.</font></p></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Bank Owned Life Insurance Policies.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Business activity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy newly issued but not yet effectivr accounting standards for the period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Loan Charge off Policy.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Other Investments.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for cash and cash equivalents, including the policy for determining which items are treated as cash equivalents. Other information that may be disclosed includes (1) the nature of any restrictions on the entity's use of its cash and cash equivalents, (2) whether the entity's cash and cash equivalents are insured or expose the entity to credit risk, (3) the classification of any negative balance accounts (overdrafts), and (4) the carrying basis of cash equivalents (for example, at cost) and whether the carrying amount of cash equivalents approximates fair value.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for comprehensive income.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for credit risk.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 275<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=99393423&amp;loc=d3e5967-108592<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 825<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=108315417&amp;loc=d3e61044-112788<br></p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for financing receivable.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=118936363&amp;loc=d3e5093-111524<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=84159169&amp;loc=d3e10133-111534<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 20<br> -Section 50<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=84159169&amp;loc=d3e10178-111534<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -URI http://asc.fasb.org/extlink&amp;oid=118936363&amp;loc=d3e5144-111524<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 20<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=84159169&amp;loc=d3e10149-111534<br><br>Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=118936363&amp;loc=SL6953423-111524<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=118936363&amp;loc=d3e5033-111524<br><br>Reference 8: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 15<br> -Subparagraph (b,d)<br> -URI http://asc.fasb.org/extlink&amp;oid=118936363&amp;loc=d3e5212-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<tr>
<td><strong> Period Type:</strong></td>
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</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ImpairedFinancingReceivablePolicyPolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for recognizing interest income on impaired financing receivables, including how cash receipts are recorded, the policy for determining which loans the entity assess for impairment, and the factors the creditor considered in determining that the financing receivable is impaired.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 14A<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=118936363&amp;loc=SL6953550-111524<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 15<br> -Subparagraph (b,d,e)<br> -URI http://asc.fasb.org/extlink&amp;oid=118936363&amp;loc=d3e5212-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ImpairedFinancingReceivablePolicyPolicyTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Period Type:</strong></td>
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</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxPolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for income taxes, which may include its accounting policies for recognizing and measuring deferred tax assets and liabilities and related valuation allowances, recognizing investment tax credits, operating loss carryforwards, tax credit carryforwards, and other carryforwards, methodologies for determining its effective income tax rate and the characterization of interest and penalties in the financial statements.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 20<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32847-109319<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 954<br> -SubTopic 740<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6491622&amp;loc=d3e9504-115650<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=84158767&amp;loc=d3e18780-107790<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 17<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32809-109319<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=116657188&amp;loc=SL116659661-227067<br><br>Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 19<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32840-109319<br><br>Reference 7: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 45<br> -Paragraph 25<br> -URI http://asc.fasb.org/extlink&amp;oid=116821951&amp;loc=d3e32247-109318<br><br>Reference 8: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -URI http://asc.fasb.org/extlink&amp;oid=116821951&amp;loc=d3e32280-109318<br><br>Reference 9: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 30<br> -Section 05<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=65884525&amp;loc=d3e40913-109327<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeTaxPolicyTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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</tr>
<tr>
<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
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</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InvestmentPolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for investment in financial asset.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 323<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (a)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=114001798&amp;loc=d3e33918-111571<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InvestmentPolicyTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>nonnum:textBlockItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableAllowanceForLoanLossesPolicy">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for estimating the allowance for losses on loans and lease receivables. The disclosure may include (a) how the entity determines each element of the allowance, (b) which loans are evaluated individually and which loans are evaluated as a group, (c) how the entity determines both the allocated and unallocated portions of the allowance, (d) how the entity determines the loss factors applied to graded loans in order to develop a general allowance, and (e) what self-correcting mechanism the entity uses to reduce differences between estimated and actual losses.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=84158767&amp;loc=d3e18780-107790<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -URI http://asc.fasb.org/extlink&amp;oid=118936363&amp;loc=d3e5144-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LoansAndLeasesReceivableAllowanceForLoanLossesPolicy</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
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<td><strong> Period Type:</strong></td>
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</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableNonperformingLoanAndLeasePolicy">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for deeming amounts due from a borrower as not being in compliance with principal and interest payment terms, describes the method for valuing a loan in such status, and indicates whether interest contractually accruing thereon is being recognized as income.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=84158767&amp;loc=d3e18780-107790<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LoansAndLeasesReceivableNonperformingLoanAndLeasePolicy</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>nonnum:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivablePastDueStatusPolicy">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of the accounting policy for past due status of loans and leases receivable.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=84158767&amp;loc=d3e18780-107790<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=118936363&amp;loc=d3e5093-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LoansAndLeasesReceivablePastDueStatusPolicy</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>nonnum:textBlockItemType</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableTroubledDebtRestructuringPolicy">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for troubled debt restructuring.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 40<br> -URI http://asc.fasb.org/subtopic&amp;trid=2196892<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LoansAndLeasesReceivableTroubledDebtRestructuringPolicy</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>nonnum:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
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</tr>
<tr>
<td><strong> Period Type:</strong></td>
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</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy pertaining to new accounting pronouncements that may impact the entity's financial reporting. Includes, but is not limited to, quantification of the expected or actual impact.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PriorPeriodReclassificationAdjustmentDescription">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for reclassifications that affects the comparability of the financial statements.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 205<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6359566&amp;loc=d3e326-107755<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PriorPeriodReclassificationAdjustmentDescription</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>nonnum:textBlockItemType</td>
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<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
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</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentPolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for long-lived, physical assets used in the normal conduct of business and not intended for resale. Includes, but is not limited to, basis of assets, depreciation and depletion methods used, including composite deprecation, estimated useful lives, capitalization policy, accounting treatment for costs incurred for repairs and maintenance, capitalized interest and the method it is calculated, disposals and impairments.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.13(a))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 360<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=84158767&amp;loc=d3e18780-107790<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentPolicyTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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</tr>
<tr>
<td><strong> Data Type:</strong></td>
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</tr>
<tr>
<td><strong> Balance Type:</strong></td>
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</tr>
<tr>
<td><strong> Period Type:</strong></td>
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</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RealEstatePolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for entities that primarily develop and then sell real property at retail or otherwise.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=84158767&amp;loc=d3e18780-107790<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 835<br> -SubTopic 20<br> -Section 15<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=6450852&amp;loc=d3e24871-108386<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 970<br> -SubTopic 10<br> -Section 05<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=77935101&amp;loc=d3e24546-110282<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RealEstatePolicyTextBlock</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>na</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for revenue from contract with customer.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4<br> -Subparagraph (e)<br> -URI http://asc.fasb.org/extlink&amp;oid=84158767&amp;loc=d3e18823-107790<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 606<br> -URI http://asc.fasb.org/topic&amp;trid=49130388<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RevenueFromContractWithCustomerPolicyTextBlock</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>nonnum:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SegmentReportingPolicyPolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for segment reporting.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=84158767&amp;loc=d3e18780-107790<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SegmentReportingPolicyPolicyTextBlock</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>nonnum:textBlockItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for award under share-based payment arrangement. Includes, but is not limited to, methodology and assumption used in measuring cost.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=84158767&amp;loc=d3e18780-107790<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b),(f)<br> -URI http://asc.fasb.org/extlink&amp;oid=116856206&amp;loc=d3e5070-113901<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=116856206&amp;loc=d3e5047-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationOptionAndIncentivePlansPolicy</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for reporting subsequent events.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=84158767&amp;loc=d3e18780-107790<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SubsequentEventsPolicyPolicyTextBlock</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for the use of estimates in the preparation of financial statements in conformity with generally accepted accounting principles.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 275<br> -SubTopic 10<br> -Section 50<br> -Paragraph 12<br> -URI http://asc.fasb.org/extlink&amp;oid=99393423&amp;loc=d3e6191-108592<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 275<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=99393423&amp;loc=d3e6161-108592<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 275<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -URI http://asc.fasb.org/extlink&amp;oid=99393423&amp;loc=d3e6143-108592<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 275<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=99393423&amp;loc=d3e5967-108592<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 275<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=99393423&amp;loc=d3e6061-108592<br><br>Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 275<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=99393423&amp;loc=d3e6132-108592<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 275<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=99393423&amp;loc=d3e5967-108592<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6811822336">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Property and Equipment (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2019</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentAbstract', window );"><strong>Property, Plant and Equipment [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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<tr class="ro">
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<td class="text"><div><p style="text-align: justify"><font style="font: x-small Arial">Property and equipment are stated at cost less accumulated depreciation. Components of property and equipment included in the consolidated balance sheets are as follows:</font></p>
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   <td colspan="6" style="border-top: #000000 1.5pt solid; white-space: nowrap; text-align: right">&#160;<b><font style="font: xx-small Arial"></font></b></td></tr>
<tr style="vertical-align: bottom">
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   <td colspan="5" style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">December 31,</font></b></td>
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   <td colspan="2" style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2019</font></b></td>
   <td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"></td>
   <td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>
   <td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2018</font></b></td>
   <td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"></td></tr>
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   <td style="width: 1%; white-space: nowrap; text-align: left"></td>
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   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">10,219</font></td>
   <td style="white-space: nowrap; text-align: left"></td>
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   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">8,890</font></td>
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   <td style="white-space: nowrap; text-align: left"><font style="font: x-small Arial">Software</font></td>
   <td style="white-space: nowrap; text-align: left"></td>
   <td style="white-space: nowrap; text-align: right; vertical-align: middle"></td>
   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">367</font></td>
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   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">329</font></td>
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   <td style="white-space: nowrap; text-align: left">&#160;</td>
   <td style="white-space: nowrap; text-align: right; vertical-align: middle">&#160;</td>
   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">939</font></td>
   <td style="white-space: nowrap; text-align: left">&#160;</td>
   <td style="white-space: nowrap; text-align: left">&#160;</td>
   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">281</font></td>
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   <td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Accumulated depreciation and amortization </font></td>
   <td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right; vertical-align: middle">&#160;</td>
   <td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(12,705</font></td>
   <td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>
   <td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(10,860</font></td>
   <td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td></tr>
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   <td style="white-space: nowrap; text-align: left"><font style="font: x-small Arial">Property and equipment, excluding ROU assets</font></td>
   <td style="white-space: nowrap; text-align: left"></td>
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   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">38,973</font></td>
   <td style="white-space: nowrap; text-align: left"></td>
   <td style="white-space: nowrap; text-align: left"></td>
   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">32,430</font></td>
   <td style="white-space: nowrap; text-align: left"></td></tr>
<tr style="vertical-align: bottom; background-color: Silver">
   <td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"><font style="font: x-small Arial">ROU assets </font></td>
   <td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"></td>
   <td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right; vertical-align: middle"></td>
   <td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">19,505</font></td>
   <td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"></td>
   <td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"></td>
   <td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>
   <td style="border-bottom: #000000 1pt solid; white-space: nowrap; text-align: left"></td></tr>
<tr style="vertical-align: bottom">
   <td style="border-bottom: #000000 1.5pt solid; padding-left: 15pt; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total property and equipment</font></td>
   <td style="border-bottom: #000000 1.5pt solid; white-space: nowrap; text-align: left"></td>
   <td style="border-bottom: #000000 1.5pt solid; white-space: nowrap; text-align: right; vertical-align: middle"><font style="font: x-small Arial">$</font></td>
   <td style="border-bottom: #000000 1.5pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">58,478</font></td>
   <td style="border-bottom: #000000 1.5pt solid; white-space: nowrap; text-align: left"></td>
   <td style="border-bottom: #000000 1.5pt solid; white-space: nowrap; text-align: left"></td>
   <td style="border-bottom: #000000 1.5pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">32,430</font></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_ScheduleOfEstimatedUsefulLivesOfPropertyPlantAndEquipmentTableTextBlock', window );">Schedule of estimated useful lives of property and equipment</a></td>
<td class="text"><div><p style="text-align: justify"><font style="font: x-small Arial">The estimated useful lives for the principal items follow:</font></p>

<table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 100%">

<tr style="vertical-align: bottom">
   <td style="border-top: #000000 1.5pt solid; width: 49%; white-space: nowrap; text-align: left"><b><font style="font: xx-small Arial"></font></b></td>
   <td style="border-top: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"></td>
   <td style="border-top: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: right">&#160;<b><font style="font: xx-small Arial"></font></b></td></tr>
<tr style="vertical-align: bottom">
   <td style="border-bottom: #000000 1pt solid; width: 49%; white-space: nowrap; text-align: left"><b><font style="font: xx-small Arial">Type of Asset</font></b></td>
   <td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160;<b><font style="font: xx-small Arial"></font></b></td>
   <td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Life in Years</font></b></td></tr>
<tr style="vertical-align: bottom; background-color: Silver">
   <td style="width: 49%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Software</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3</font></td></tr>
<tr style="vertical-align: bottom">
   <td style="width: 49%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Furniture and equipment</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">5 to 7</font></td></tr>
<tr style="vertical-align: bottom; background-color: Silver">
   <td style="width: 49%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Leasehold improvements</font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>
   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">5 to 15</font></td></tr>
<tr style="vertical-align: bottom">
   <td style="border-bottom: #000000 1.5pt solid; width: 49%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Buildings</font></td>
   <td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>
   <td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">40</font></td></tr></table></div><span></span>
</td>
</tr>
</table>
<div style="display: none;">
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Schedule of estimated useful lives of property plant and equipment.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentAbstract</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
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</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of physical assets used in the normal conduct of business and not intended for resale. Includes, but is not limited to, balances by class of assets, depreciation and depletion expense and method used, including composite depreciation, and accumulated deprecation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(13))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 360<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>nonnum:textBlockItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6811685360">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Mortgage Loans Held for Sale (Details) - USD ($)<br> $ in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
<th class="th"><div>Dec. 31, 2018</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_MortgageLoansHeldForSaleTextualAbstract', window );"><strong>Mortgage Loans Held for Sale (Textual)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_MortgagesHeldForSaleFairValueDisclosure', window );">Mortgage loans held for sale, fair value</a></td>
<td class="nump">$ 27.0<span></span>
</td>
<td class="nump">$ 9.2<span></span>
</td>
</tr>
</table>
<div style="display: none;">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_MortgageLoansHeldForSaleTextualAbstract</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_MortgagesHeldForSaleFairValueDisclosure">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Fair value portion of mortgage loans held-for-sale.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
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<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6913523728">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Investment Securities (Details 1) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
<th class="th"><div>Dec. 31, 2018</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAbstract', window );"><strong>Summary of amortized costs and fair values of investment securities available for sale by contractual maturity</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost', window );">Due within one year, Amortized Cost</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost', window );">Due after one through five years, Amortized Cost</a></td>
<td class="nump">4,699<span></span>
</td>
<td class="nump">8,681<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost', window );">Due after five through ten years, Amortized Cost</a></td>
<td class="nump">10,454<span></span>
</td>
<td class="nump">22,796<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost', window );">Due after ten years, Amortized Cost</a></td>
<td class="nump">52,918<span></span>
</td>
<td class="nump">44,588<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis', window );">Available for sale, Amortized Cost</a></td>
<td class="nump">68,071<span></span>
</td>
<td class="nump">76,065<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue', window );">Due within one year, Fair Value</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue', window );">Due after one through five years, Fair Value</a></td>
<td class="nump">4,675<span></span>
</td>
<td class="nump">8,578<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue', window );">Due after five through ten years, Fair Value</a></td>
<td class="nump">10,414<span></span>
</td>
<td class="nump">22,379<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue', window );">Due after ten years, Fair Value</a></td>
<td class="nump">52,605<span></span>
</td>
<td class="nump">43,948<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Available for sale, Fair Value</a></td>
<td class="nump">$ 67,694<span></span>
</td>
<td class="nump">$ 74,905<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amortized cost of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=118939692&amp;loc=d3e27161-111563<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 30<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=118942338&amp;loc=SL82898722-210454<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amortized cost of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale), with single maturity date and allocated without single maturity date, maturing in second through fifth fiscal year following latest fiscal year. Excludes interim and annual periods when interim period is reported on rolling approach, from latest statement of financial position date.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amortized cost of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale), with single maturity date and allocated without single maturity date, maturing after tenth fiscal year following latest fiscal year. Excludes interim and annual periods when interim period is reported on rolling approach, from latest statement of financial position date.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Fair value of investment in debt security, measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale), with single maturity date and allocated without single maturity date, maturing after tenth fiscal year following latest fiscal year. Excludes interim and annual periods when interim period is reported on rolling approach, from latest statement of financial position date.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amortized cost of investment in debt security measured at fair value with change recognized in other comprehensive income (available-for-sale), with single maturity date and allocated without single maturity date, maturing in next fiscal year following latest fiscal year. Excludes interim and annual periods when interim period is reported on rolling approach, from latest statement of financial position date.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Fair value of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale), maturing in next fiscal year following latest fiscal year. Excludes interim and annual periods when interim period is reported on rolling approach, from latest statement of financial position date.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale).</p></div>
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6811792480">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Parent Company Financial Information (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2019</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract', window );"><strong>Condensed Financial Information Disclosure [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_srt_ScheduleOfCondensedFinancialStatementsTableTextBlock', window );">Schedule of condensed financial information of Southern First Bancshares, Inc. (parent company only)</a></td>
<td class="text"><div><p style="text-align: justify"><font style="font: x-small Arial">Following is condensed financial information of Southern First Bancshares, Inc. (parent company only):</font></p>

<p style="text-align: center"><b><i><font style="font: x-small Arial">Condensed Balance Sheets</font></i></b></p>

<table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 100%">

<tr style="vertical-align: bottom">
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 95%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="4" style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">December 31,</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 95%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">(dollars in thousands)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial"></font></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: left; text-align: right"><b><font style="font: xx-small Arial">2019</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2018</font></b></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 95%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial">Assets</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial"></font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 95%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Cash and cash equivalents</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,753</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">5,389</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 95%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Investment in subsidiaries</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">234,310</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">181,919</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 95%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Other assets</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">6</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">19</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 95%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total assets</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">242,069</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">187,327</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 95%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial">Liabilities and Shareholders&#8217; Equity</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial"></font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 95%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Accounts payable and accrued expenses</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">319</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">8</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 95%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Subordinated debentures</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">35,890</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">13,403</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; width: 95%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Shareholders&#8217; equity</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">205,860</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">173,916</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1.5pt solid; padding-left: 15pt; width: 95%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total liabilities and shareholders&#8217; equity</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">242,069</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">187,327</font></td></tr>


</table>






<p style="text-align: center"><b><i><font style="font: x-small Arial">Condensed Statements of Income</font></i></b></p>

<table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 100%">


<tr style="vertical-align: bottom">
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td></tr>


<tr style="vertical-align: bottom">

   <td style="width: 90%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="8" style="border-bottom: Black 1pt solid; width: 8%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">For the years ended December 31,</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right">&#160;</td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 90%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">(dollars in thousands)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial"></font></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2019</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2018</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2017</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 90%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial">Revenues</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial"></font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 90%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Interest income</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">13</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">9</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">11</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 90%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Total revenue</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">13</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">9</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">11</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 90%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial">Expenses</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial"></font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 90%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Interest expense</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">929</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">592</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">514</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 90%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Other expenses</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">240</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">240</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">246</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 90%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Total expenses</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,169</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">832</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">760</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 90%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Income tax benefit</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">243</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">173</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">262</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 90%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Loss before equity in undistributed net income of subsidiaries</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(913</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(650</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(487</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 90%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Equity in undistributed net income of subsidiaries</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">28,771</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">22,939</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">13,532</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1.5pt solid; padding-left: 15pt; width: 90%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Net income</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">27,858</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">22,289</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">13,045</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td></tr>


</table>


<p style="text-align: center"><b><i><font style="font: x-small Arial">Condensed Statements of Cash Flows</font></i></b></p>

<table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 100%">

<tr style="vertical-align: bottom">
   <td style="border-top: Black 1.5pt solid; padding-left: 15pt; text-align: left; text-indent: -15pt; width: 90%">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right; width: 1%">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right; width: 1%">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right; width: 1%">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right; width: 1%">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%">&#160;</td></tr>

<tr style="vertical-align: bottom">

   <td style="text-align: left; padding-left: 15pt; text-indent: -15pt"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td colspan="8" style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">For the years ended December 31,</font></b></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; padding-left: 15pt; text-align: left; text-indent: -15pt"><font style="font: xx-small Arial">(dollars in thousands)</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><font style="font: xx-small Arial"></font></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2019</font></b></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2018</font></b></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2017</font></b></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="text-align: left; padding-left: 15pt; text-indent: -15pt"><b><font style="font: x-small Arial">Operating activities</font></b></td>

   <td style="white-space: nowrap; text-align: left"><b><font style="font: x-small Arial"></font></b></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="text-indent: -15pt; text-align: left; padding-left: 30pt"><font style="font: x-small Arial">Net income</font></td>

   <td style="white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">27,858</font></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">22,289</font></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">13,045</font></td>

   <td style="white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="text-indent: -15pt; text-align: left; padding-left: 30pt"><font style="font: x-small Arial">Adjustments to reconcile net income to cash provided by (used for) operating activities</font></td>

   <td style="white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td></tr>


<tr style="vertical-align: bottom">

   <td style="text-align: left; padding-left: 45pt; text-indent: -15pt"><font style="font: x-small Arial">Equity in undistributed net income of subsidiaries</font></td>

   <td style="white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">(28,771</font></td>

   <td style="white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">(22,939</font></td>

   <td style="white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">(13,532</font></td>

   <td style="white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="text-align: left; padding-left: 45pt; text-indent: -15pt"><font style="font: x-small Arial">Compensation expense related to stock options and restricted stock grants</font></td>

   <td style="white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,698</font></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,502</font></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,258</font></td>

   <td style="white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="text-align: left; padding-left: 45pt; text-indent: -15pt"><font style="font: x-small Arial">(Increase) decrease in other assets</font></td>

   <td style="white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">12</font></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">12</font></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,772</font></td>

   <td style="white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; text-align: left; padding-left: 45pt; text-indent: -15pt"><font style="font: x-small Arial">Increase (decrease) in accounts payable and accrued expenses</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(202</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; text-align: left; padding-left: 60pt; text-indent: -15pt"><font style="font: x-small Arial">Net cash provided by operating activities</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">595</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">866</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3,545</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="text-align: left; padding-left: 15pt; text-indent: -15pt"><b><font style="font: x-small Arial">Investing activities</font></b></td>

   <td style="white-space: nowrap; text-align: left"><b><font style="font: x-small Arial"></font></b></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; text-align: left; padding-left: 45pt; text-indent: -15pt"><font style="font: x-small Arial">Investment in subsidiaries, net</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(27,334</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; text-align: left; padding-left: 60pt; text-indent: -15pt"><font style="font: x-small Arial">Net cash used for investing activities</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(27,334</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="text-align: left; padding-left: 15pt; text-indent: -15pt"><b><font style="font: x-small Arial">Financing activities</font></b></td>

   <td style="white-space: nowrap; text-align: left"><b><font style="font: x-small Arial"></font></b></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="text-align: left; padding-left: 45pt; text-indent: -15pt"><font style="font: x-small Arial">Issuance of common stock</font></td>

   <td style="white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">24,758</font></td>

   <td style="white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; text-align: left; padding-left: 45pt; text-indent: -15pt"><font style="font: x-small Arial">Proceeds from the exercise of stock options and warrants</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,769</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">900</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">705</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; text-align: left; padding-left: 60pt; text-indent: -15pt"><font style="font: x-small Arial">Net cash provided by financing activities</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,769</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">900</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">25,463</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="text-align: left; padding-left: 60pt; text-indent: -15pt"><font style="font: x-small Arial">Net increase (decrease) in cash and cash equivalents</font></td>

   <td style="white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,364</font></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,766</font></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,674</font></td>

   <td style="white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; text-align: left; padding-left: 15pt; text-indent: -15pt"><b><font style="font: x-small Arial">Cash and cash equivalents, beginning of year</font></b></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">5,389</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3,623</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,949</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1.5pt solid; padding-left: 15pt; text-align: left; text-indent: -15pt"><b><font style="font: x-small Arial">Cash and cash equivalents, end of year</font></b></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial"></font></b></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,753</font></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">5,389</font></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3,623</font></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></td></tr>


</table>


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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of condensed financial statements, including, but not limited to, the balance sheet, income statement, and statement of cash flows.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 3<br> -Paragraph i<br> -Subsection 10<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6931143120">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Loans and Allowance for Loan Losses (Details Textual) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2019</div></th>
<th class="th"><div>Dec. 31, 2018</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Loss [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_PartOfLoansOfThirtyDaysOrMorePastDueAsPercentageOfAggregateLoanPortfolio', window );">Part of loans of 30 days or more past due as a percentage of total loan portfolio</a></td>
<td class="nump">0.23%<span></span>
</td>
<td class="nump">0.26%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_RealEstateLoanPercentageOfAggregateLoan', window );">Real estate loan percentage of total loan</a></td>
<td class="nump">82.80%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_ConsumerLoansPercentageOfAggregateRealEstateLoan', window );">Consumer loans percentage of total real estate loan</a></td>
<td class="nump">38.50%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_MortgageLoanPledgedAsCollateralForAdvancesFromFhlb', window );">Mortgage loan pledged as collateral for advances from FHLB</a></td>
<td class="nump">$ 716,000<span></span>
</td>
<td class="nump">$ 5,976<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_CommercialLoansPercentageOfAggregateRealEstateLoan', window );">Commercial loans percentage of total real estate loan</a></td>
<td class="nump">61.50%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_ForegoneInterestIncomeOnNonAccrualLoans', window );">Foregone interest income on non accrual loans</a></td>
<td class="nump">$ 23<span></span>
</td>
<td class="nump">53<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableDeferredIncome', window );">Net of deferred loan fees and costs</a></td>
<td class="nump">$ 33<span></span>
</td>
<td class="nump">$ 28<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongtermDebtTypeAxis=sfst_OwnerOccupiedReMember', window );">Owner occupied RE [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Loss [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_CommercialLoansPercentageOfAggregateRealEstateLoan', window );">Commercial loans percentage of total real estate loan</a></td>
<td class="nump">21.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongtermDebtTypeAxis=us-gaap_ConstructionLoansMember', window );">Construction [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Loss [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_CommercialLoansPercentageOfAggregateRealEstateLoan', window );">Commercial loans percentage of total real estate loan</a></td>
<td class="nump">4.10%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongtermDebtTypeAxis=sfst_NonOwnerOccupiedReMember', window );">Non-owner occupied RE [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Loss [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_CommercialLoansPercentageOfAggregateRealEstateLoan', window );">Commercial loans percentage of total real estate loan</a></td>
<td class="nump">25.80%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember', window );">Consumer [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Loss [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_PartOfLoansOfThirtyDaysOrMorePastDueAsPercentageOfAggregateLoanPortfolio', window );">Part of loans of 30 days or more past due as a percentage of total loan portfolio</a></td>
<td class="nump">0.13%<span></span>
</td>
<td class="nump">0.25%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_CommercialLoanMember', window );">Commercial [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Loss [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_PartOfLoansOfThirtyDaysOrMorePastDueAsPercentageOfAggregateLoanPortfolio', window );">Part of loans of 30 days or more past due as a percentage of total loan portfolio</a></td>
<td class="nump">0.10%<span></span>
</td>
<td class="nump">0.01%<span></span>
</td>
</tr>
</table>
<div style="display: none;">
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Commercial loans percentage of aggregate real estate loan.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_CommercialLoansPercentageOfAggregateRealEstateLoan</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_ConsumerLoansPercentageOfAggregateRealEstateLoan">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Consumer loans percentage of aggregate real estate loan.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_ConsumerLoansPercentageOfAggregateRealEstateLoan</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_ForegoneInterestIncomeOnNonAccrualLoans">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Foregone interest income on non accrual loans .</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_ForegoneInterestIncomeOnNonAccrualLoans</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_MortgageLoanPledgedAsCollateralForAdvancesFromFhlb">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Mortgage loan pledged as collateral for advances from FHLB.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_MortgageLoanPledgedAsCollateralForAdvancesFromFhlb</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_PartOfLoansOfThirtyDaysOrMorePastDueAsPercentageOfAggregateLoanPortfolio">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Part of loans of thirty days or more past due as a percentage of aggregate loan portfolio.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_PartOfLoansOfThirtyDaysOrMorePastDueAsPercentageOfAggregateLoanPortfolio</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_RealEstateLoanPercentageOfAggregateLoan">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Real estate loan percentage of aggregate loan.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_RealEstateLoanPercentageOfAggregateLoan</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableDeferredIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.7)<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 840<br> -SubTopic 30<br> -Section 50<br> -Paragraph 4<br> -Subparagraph (a)(4)<br> -URI http://asc.fasb.org/extlink&amp;oid=84165051&amp;loc=d3e45377-112738<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=118936363&amp;loc=d3e5074-111524<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 20<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=84159169&amp;loc=d3e10152-111534<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LoansAndLeasesReceivableDeferredIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongtermDebtTypeAxis=sfst_OwnerOccupiedReMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LongtermDebtTypeAxis=sfst_OwnerOccupiedReMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongtermDebtTypeAxis=us-gaap_ConstructionLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LongtermDebtTypeAxis=us-gaap_ConstructionLoansMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongtermDebtTypeAxis=sfst_NonOwnerOccupiedReMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LongtermDebtTypeAxis=sfst_NonOwnerOccupiedReMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=us-gaap_CommercialLoanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_CommercialLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
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<html>
<head>
<title></title>
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6913705312">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Deposits (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
<th class="th"><div>Dec. 31, 2018</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepositsAbstract', window );"><strong>Deposits [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestBearingDepositLiabilities', window );">Noninterest bearing</a></td>
<td class="nump">$ 397,331<span></span>
</td>
<td class="nump">$ 346,570<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestBearingDepositLiabilitiesByComponentAbstract', window );"><strong>Interest bearing:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestBearingDomesticDepositNegotiableOrderOfWithdrawalNOW', window );">NOW accounts</a></td>
<td class="nump">228,680<span></span>
</td>
<td class="nump">186,795<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestBearingDomesticDepositMoneyMarket', window );">Money market accounts</a></td>
<td class="nump">898,923<span></span>
</td>
<td class="nump">730,765<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestBearingDomesticDepositSavings', window );">Savings</a></td>
<td class="nump">16,258<span></span>
</td>
<td class="nump">15,486<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositsLessThan100000', window );">Time, less than $100,000</a></td>
<td class="nump">47,941<span></span>
</td>
<td class="nump">63,073<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_TimeDeposit100000OrMoreDomestic', window );">Time, $100,000 and over</a></td>
<td class="nump">286,991<span></span>
</td>
<td class="nump">305,447<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Deposits', window );">Total deposits</a></td>
<td class="nump">$ 1,876,124<span></span>
</td>
<td class="nump">$ 1,648,136<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_TimeDeposit100000OrMoreDomestic">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The aggregate amount of domestic time deposits (including certificates of deposits, individual retirement accounts and open accounts) in denominations of $100,000 or more.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_TimeDeposit100000OrMoreDomestic</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Deposits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.12)<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_Deposits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DepositsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DepositsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestBearingDepositLiabilitiesByComponentAbstract</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of interest-bearing domestic money market demand account deposit liabilities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.12)<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestBearingDomesticDepositMoneyMarket</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestBearingDomesticDepositNegotiableOrderOfWithdrawalNOW">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of interest-bearing domestic negotiable order of withdrawal (NOW) demand deposit liabilities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.12)<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestBearingDomesticDepositNegotiableOrderOfWithdrawalNOW</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of interest-bearing domestic savings deposit liabilities. Saving deposits bear interest and have no stated maturity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.12)<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestBearingDomesticDepositSavings</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NoninterestBearingDepositLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The aggregate amount of all domestic and foreign noninterest-bearing deposits liabilities held by the entity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.12)<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NoninterestBearingDepositLiabilities</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of time deposit liabilities, including certificates of deposit, in denominations of less than $100,000.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher SEC<br> -Name Industry Guide<br> -Number 3<br> -Section V<br> -Paragraph D-E<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TimeDepositsLessThan100000</td>
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6916453024">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Federal Home Loan Bank Advances and Other Borrowings (Details Textual) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="1">3 Months Ended</th>
<th class="th" colspan="1">12 Months Ended</th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2019</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
<th class="th"><div>Dec. 31, 2018</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_FederalHomeLoanBankAdvancesAndOtherBorrowingsTextualAbstract', window );"><strong>Federal Home Loan Bank Advances and Other Borrowings (Textual)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdvancesFromFederalHomeLoanBanks', window );">FHLB advances</a></td>
<td class="nump">$ 110,000<span></span>
</td>
<td class="nump">$ 110,000<span></span>
</td>
<td class="nump">$ 50,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_MortgageLoanPledgedAsCollateralForAdvancesFromFhlb', window );">FHLB advances are secured mortgage loans</a></td>
<td class="nump">716,000<span></span>
</td>
<td class="nump">716,000<span></span>
</td>
<td class="nump">$ 5,976<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankStock', window );">FHLB stock</a></td>
<td class="nump">6,400<span></span>
</td>
<td class="nump">6,400<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LineOfCreditFacilityFairValueOfAmountOutstanding', window );">Interest only line of credit</a></td>
<td class="nump">15,000<span></span>
</td>
<td class="nump">$ 15,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LineOfCreditFacilityExpirationDate1', window );">Line of credit facility, maturity date</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">Jun. 30,  2020<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsForFederalHomeLoanBankAdvances', window );">Repayment of advance loan</a></td>
<td class="nump">25,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PrepaymentFeesOnAdvancesNet', window );">Prepayment fees on advances net</a></td>
<td class="nump">$ 1,500<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresInterestRateAtPeriodEnd', window );">Percentage of average cost of advances</a></td>
<td class="nump">3.36%<span></span>
</td>
<td class="nump">3.36%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_VariableRateAxis=us-gaap_LondonInterbankOfferedRateLIBORMember', window );">London Interbank Offered Rate (LIBOR) [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_FederalHomeLoanBankAdvancesAndOtherBorrowingsTextualAbstract', window );"><strong>Federal Home Loan Bank Advances and Other Borrowings (Textual)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LineOfCreditFacilityInterestRateAtPeriodEnd', window );">Line of credit, interest rate</a></td>
<td class="nump">2.50%<span></span>
</td>
<td class="nump">2.50%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LineOfCreditFacilityInterestRateDescription', window );">Line of credit facility, Interest rate description</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">LIBOR plus 2.50<span></span>
</td>
<td class="text">&#160;<span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_FederalHomeLoanBankAdvancesAndOtherBorrowingsTextualAbstract</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Mortgage loan pledged as collateral for advances from FHLB.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_MortgageLoanPledgedAsCollateralForAdvancesFromFhlb</td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AdvancesFromFederalHomeLoanBanks">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of borrowings as of the balance sheet date from the Federal Home Loan Bank, which are primarily used to cover shortages in the required reserve balance and liquidity shortages.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 470<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AdvancesFromFederalHomeLoanBanks</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
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</tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresInterestRateAtPeriodEnd">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>States the interest rate applicable to Federal Home Loan Bank advances outstanding as of the Balance Sheet date.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 470<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 470<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=75038535&amp;loc=d3e64711-112823<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresInterestRateAtPeriodEnd</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankStock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 325<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=75031641&amp;loc=d3e63345-112809<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FederalHomeLoanBankStock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LineOfCreditFacilityExpirationDate1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Date the credit facility terminates, in CCYY-MM-DD format.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.19(b),22(b))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LineOfCreditFacilityExpirationDate1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LineOfCreditFacilityFairValueOfAmountOutstanding">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Fair value of the amount outstanding under the credit facility.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 825<br> -SubTopic 10<br> -Section 50<br> -Paragraph 10<br> -URI http://asc.fasb.org/extlink&amp;oid=118260190&amp;loc=d3e13433-108611<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LineOfCreditFacilityFairValueOfAmountOutstanding</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LineOfCreditFacilityInterestRateAtPeriodEnd">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The effective interest rate at the end of the reporting period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.19(b),22(b))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LineOfCreditFacilityInterestRateAtPeriodEnd</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
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</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LineOfCreditFacilityInterestRateDescription">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Description of the interest rate for the amounts borrowed under the credit facility, including the terms and the method for determining the interest rate (for example, fixed or variable, LIBOR plus a percentage, increasing rate, timing of interest rate resets, remarketing provisions).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.19(b),22(b))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LineOfCreditFacilityInterestRateDescription</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsForFederalHomeLoanBankAdvances">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of cash outflow for disbursement to borrower related to advance, made by Federal Home Loan Bank (FHLBank), classified as investing activity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 13<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=118932676&amp;loc=d3e3213-108585<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PaymentsForFederalHomeLoanBankAdvances</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PrepaymentFeesOnAdvancesNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of income earned, after hedging basis adjustments, from fees charged for prepayment of certain Federal Home Loan Bank (FHLBank) advances before original maturity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PrepaymentFeesOnAdvancesNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_VariableRateAxis=us-gaap_LondonInterbankOfferedRateLIBORMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_VariableRateAxis=us-gaap_LondonInterbankOfferedRateLIBORMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6914300576">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Property and Equipment (Details 1)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2019</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_ScheduleOfEstimatedUsefulLivesOfPropertyPlantAndEquipmentAbstract', window );"><strong>Schedule of estimated useful lives of property plant and equipment</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentUsefulLife', window );">Property and equipment, estimated useful life (in years)</a></td>
<td class="text">3 years<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_BuildingMember', window );">Buildings [Member]</a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentUsefulLife', window );">Property and equipment, estimated useful life (in years)</a></td>
<td class="text">40 years<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_ScheduleOfEstimatedUsefulLivesOfPropertyPlantAndEquipmentAbstract', window );"><strong>Schedule of estimated useful lives of property plant and equipment</strong></a></td>
<td class="text">&#160;<span></span>
</td>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentUsefulLife', window );">Property and equipment, estimated useful life (in years)</a></td>
<td class="text">5 years<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_ScheduleOfEstimatedUsefulLivesOfPropertyPlantAndEquipmentAbstract', window );"><strong>Schedule of estimated useful lives of property plant and equipment</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentUsefulLife', window );">Property and equipment, estimated useful life (in years)</a></td>
<td class="text">5 years<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_srt_RangeAxis=srt_MaximumMember', window );">Maximum [Member] | Furniture and equipment [Member]</a></td>
<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_ScheduleOfEstimatedUsefulLivesOfPropertyPlantAndEquipmentAbstract', window );"><strong>Schedule of estimated useful lives of property plant and equipment</strong></a></td>
<td class="text">&#160;<span></span>
</td>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentUsefulLife', window );">Property and equipment, estimated useful life (in years)</a></td>
<td class="text">7 years<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_srt_RangeAxis=srt_MaximumMember', window );">Maximum [Member] | Leasehold Improvements [Member]</a></td>
<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_ScheduleOfEstimatedUsefulLivesOfPropertyPlantAndEquipmentAbstract', window );"><strong>Schedule of estimated useful lives of property plant and equipment</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentUsefulLife', window );">Property and equipment, estimated useful life (in years)</a></td>
<td class="text">15 years<span></span>
</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_ScheduleOfEstimatedUsefulLivesOfPropertyPlantAndEquipmentAbstract</td>
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</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentUsefulLife">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Useful life of long lived, physical assets used in the normal conduct of business and not intended for resale, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days. Examples include, but not limited to, land, buildings, machinery and equipment, office equipment, furniture and fixtures, and computer equipment.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentUsefulLife</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_ComputerSoftwareIntangibleAssetMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_ComputerSoftwareIntangibleAssetMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_BuildingMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_BuildingMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_RangeAxis=srt_MinimumMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_RangeAxis=srt_MinimumMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_FurnitureAndFixturesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_FurnitureAndFixturesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_LeaseholdImprovementsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_LeaseholdImprovementsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_RangeAxis=srt_MaximumMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_RangeAxis=srt_MaximumMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>120
<FILENAME>R40.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
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							e.nextSibling.style.display='block';
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</head>
<body>
<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6920574768">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Other Real Estate Owned (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2019</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RealEstateAbstract', window );"><strong>Real Estate [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherRealEstateRollForwardTableTextBlock', window );">Summary of activity of real estate acquired in settlement of loans portion of other real estate owned</a></td>
<td class="text"><div><p style="text-align: justify"><font style="font: x-small Arial">The following summarizes the activity in the real estate acquired in settlement of loans portion of other real estate owned:</font></p>
<table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 100%">



<tr style="vertical-align: bottom">

   <td style="border-top: #000000 1.5pt solid; width: 93%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="5" style="border-top: #000000 1.5pt solid; width: 5%; white-space: nowrap; text-align: left">&#160;</td>

   <td style="border-top: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 93%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="5" style="border-bottom: #000000 1pt solid; width: 5%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">For the year ended December 31,</font></b></td>

   <td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: #000000 1pt solid; width: 93%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">(dollars in thousands)</font></td>

   <td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>

   <td colspan="2" style="border-bottom: #000000 1pt solid; width: 2%; text-align: right"><b><font style="font: xx-small Arial">2019</font></b></td>

   <td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160;</td>

   <td colspan="2" style="border-bottom: #000000 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2018</font></b></td>

   <td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 93%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Balance, beginning of year</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;$&#160;&#160;&#160;&#160;&#160;</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">242</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 93%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Additions</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 93%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Sales</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(125</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: #000000 1pt solid; width: 93%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Write-downs, net</font></td>

   <td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(117</font></td>

   <td style="border-bottom: #000000 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: #000000 1.5pt solid; width: 93%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Balance, end of year</font></td>

   <td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$&#160;&#160;&#160;&#160;&#160;</font></td>

   <td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: #000000 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td></tr></table></div><span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherRealEstateRollForwardTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the change in other real estate on properties owned. Excludes real estate assets taken in settlement of troubled loans through surrender or foreclosure by banks.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherRealEstateRollForwardTableTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>nonnum:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RealEstateAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RealEstateAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>121
<FILENAME>R44.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
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</head>
<body>
<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6920429152">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Fair Value Accounting (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2019</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueDisclosuresAbstract', window );"><strong>Fair Value Disclosures [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock', window );">Schedule of assets and liabilities measured at fair value on recurring basis</a></td>
<td class="text"><div><p style="text-align: justify"><font style="font: x-small Arial">The tables below present the recorded amount of assets and liabilities measured at fair value on a recurring basis.</font></p>

<table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 100%">



<tr style="vertical-align: bottom">
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td colspan="8" style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td></tr>
<tr style="vertical-align: bottom">

   <td style="width: 83%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="8" style="border-bottom: Black 1pt solid; width: 16%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">December 31, 2019</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 83%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">(dollars in thousands)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Level 1</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; text-align: right">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Level 2</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Level 3</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Total</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 83%; white-space: nowrap; text-align: left; background-color: Silver"><b><font style="font: x-small Arial">Assets</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><b><font style="font: x-small Arial"></font></b></td>

   <td style="width: 1%; text-align: left; background-color: Silver"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 83%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Securities available for sale:</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; text-align: left"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="padding-left: 30pt; width: 83%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial">US government agencies</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; text-align: left; background-color: Silver"><font style="font: x-small Arial">$</font></td>

   <td style="width: 2%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">499</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">499</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 83%; white-space: nowrap; text-align: left; padding-left: 30pt"><font style="font: x-small Arial">SBA securities</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; text-align: left"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">531</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">531</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="padding-left: 30pt; width: 83%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial">State and political subdivisions</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; text-align: left; background-color: Silver"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">4,184</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">4,184</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 83%; white-space: nowrap; text-align: left; padding-left: 30pt"><font style="font: x-small Arial">Asset-backed securities</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; text-align: left"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">13,167</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">13,167</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="padding-left: 30pt; width: 83%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial">Mortgage-backed securities</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; text-align: left; background-color: Silver"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">49,313</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">49,313</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 83%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Mortgage loans held for sale</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; text-align: left"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">27,046</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">27,046</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; padding-left: 15pt; background-color: Silver; width: 83%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Mortgage loan interest rate lock commitments</font></td>

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">344</font></td>

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">344</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; padding-left: 30pt; width: 83%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total assets measured at fair value on a recurring basis</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; text-align: left"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">95,084</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">95,084</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 83%; white-space: nowrap; text-align: left">&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; text-align: left"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 83%; white-space: nowrap; text-align: left; background-color: Silver"><b><font style="font: x-small Arial">Liabilities</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><b><font style="font: x-small Arial"></font></b></td>

   <td style="width: 1%; text-align: left; background-color: Silver"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 83%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">MBS forward sales commitments</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; text-align: left"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">39</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">39</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1.5pt solid; padding-left: 30pt; background-color: Silver; width: 83%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total liabilities measured at fair value on a recurring basis</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; text-align: left"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">39</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">39</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 83%; white-space: nowrap; text-align: left">&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; text-align: left"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="3" style="width: 7%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 83%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="8" style="border-bottom: Black 1pt solid; width: 16%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">December 31, 2018</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 83%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">(dollars in thousands)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial"></font></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; text-align: right"><b><font style="font: xx-small Arial">Level 1</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Level 2</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Level 3</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Total</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 83%; white-space: nowrap; text-align: left; background-color: Silver"><b><font style="font: x-small Arial">Assets</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><b><font style="font: x-small Arial"></font></b></td>

   <td style="width: 1%; text-align: left; background-color: Silver"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 83%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Securities available for sale:</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; text-align: left"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="padding-left: 30pt; width: 83%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial">US government agencies</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; text-align: left; background-color: Silver"><font style="font: x-small Arial">$</font></td>

   <td style="width: 2%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">8,782</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">8,782</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 83%; white-space: nowrap; text-align: left; padding-left: 30pt"><font style="font: x-small Arial">SBA securities</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; text-align: left"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3,525</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3,525</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="padding-left: 30pt; width: 83%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial">State and political subdivisions</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; text-align: left; background-color: Silver"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">8,356</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">8,356</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 83%; white-space: nowrap; text-align: left; padding-left: 30pt"><font style="font: x-small Arial">Asset-backed securities</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; text-align: left"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">9,558</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">9,558</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="padding-left: 30pt; width: 83%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial">Mortgage-backed securities</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; text-align: left; background-color: Silver"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">44,684</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">44,684</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 83%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Mortgage loans held for sale</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; text-align: left"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">9,241</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">9,241</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; padding-left: 15pt; background-color: Silver; width: 83%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Mortgage loan interest rate lock commitments</font></td>

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">345</font></td>

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">345</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; padding-left: 30pt; width: 83%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total assets measured at fair value on a recurring basis</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; text-align: left"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">84,491</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">84,491</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 83%; white-space: nowrap; text-align: left">&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; text-align: left"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 83%; white-space: nowrap; text-align: left; background-color: Silver"><b><font style="font: x-small Arial">Liabilities</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><b><font style="font: x-small Arial"></font></b></td>

   <td style="width: 1%; text-align: left; background-color: Silver"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 83%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">MBS forward sales commitments</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; text-align: left"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">121</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">121</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1.5pt solid; padding-left: 30pt; background-color: Silver; width: 83%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total liabilities measured at fair value on a recurring basis</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; text-align: left"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">121</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">121</font></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueAssetsMeasuredOnNonrecurringBasisTextBlock', window );">Schedule of assets and liabilities measured at fair value on nonrecurring basis</a></td>
<td class="text"><div><p style="text-align: justify"><font style="font: x-small Arial">The tables below present the recorded amount of assets and liabilities measured at fair value on a nonrecurring basis.</font></p>

<table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 100%">



<tr style="vertical-align: bottom">
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td colspan="8" style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td></tr>
<tr style="vertical-align: bottom">

   <td style="width: 83%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="8" style="border-bottom: Black 1pt solid; width: 16%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">December 31, 2019</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 83%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">(dollars in thousands)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Level 1</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; text-align: right">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Level 2</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Level 3</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Total</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 83%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial">Assets</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 83%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Impaired loans</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">5,634</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4,941</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">10,575</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 83%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total assets measured at fair value on a nonrecurring basis</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">5,634</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4,941</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">10,575</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 83%; white-space: nowrap; text-align: left">&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="8" style="width: 16%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 83%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="8" style="border-bottom: Black 1pt solid; width: 16%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">December 31, 2018</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 83%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; text-align: right"><b><font style="font: xx-small Arial">Level 1</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Level 2</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Level 3</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Total</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 83%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial">Assets</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 83%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Impaired loans</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,190</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">8,368</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">10,558</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 83%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total assets measured at fair value on a nonrecurring basis</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,190</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">8,368</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">10,558</font></td></tr></table></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTableTextBlock', window );">Schedule of unobservable inputs used in the fair value measurements</a></td>
<td class="text"><div><p style="text-align: justify"><font style="font: x-small Arial">For Level 3 assets and liabilities measured at fair value on a recurring or nonrecurring basis as of December 31, 2019, the significant unobservable inputs used in the fair value measurements were as follows:</font></p>

<table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 100%">



<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 25%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="border-bottom: Black 1pt solid; width: 22%; white-space: nowrap; text-align: left"><b><font style="font: xx-small Arial">Valuation Technique</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="border-bottom: Black 1pt solid; width: 30%; white-space: nowrap; text-align: left"><b><font style="font: xx-small Arial">Significant Unobservable Inputs</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="border-bottom: Black 1pt solid; width: 20%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Range of Inputs</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="vertical-align: top; width: 25%; text-align: left; background-color: Silver"><font style="font: x-small Arial">Impaired loans</font></td>

   <td style="vertical-align: top; width: 1%; text-align: left; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="vertical-align: top; width: 22%; text-align: left; background-color: Silver"><font style="font: x-small Arial">Appraised Value/<br />Discounted Cash Flows</font></td>

   <td style="vertical-align: top; width: 1%; text-align: left; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="vertical-align: top; width: 30%; text-align: left; background-color: Silver"><font style="font: x-small Arial">Discounts to appraisals or cash flows for estimated holding and/or selling costs or age of appraisal</font></td>

   <td style="vertical-align: top; width: 1%; text-align: left; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="vertical-align: top; width: 20%; text-align: right; background-color: Silver"><font style="font: x-small Arial">0-25%</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="vertical-align: top; width: 25%; text-align: left"><font style="font: x-small Arial">Other real estate owned</font></td>

   <td style="vertical-align: top; width: 1%; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="vertical-align: top; width: 22%; text-align: left"><font style="font: x-small Arial">Appraised Value/<br />Comparable Sales</font></td>

   <td style="vertical-align: top; width: 1%; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="vertical-align: top; width: 30%; text-align: left"><font style="font: x-small Arial">Discounts to appraisals for estimated holding or selling costs</font></td>

   <td style="vertical-align: top; width: 1%; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="vertical-align: top; width: 20%; text-align: right"><font style="font: x-small Arial">0-25%</font></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByBalanceSheetGroupingTextBlock', window );">Schedule of estimated fair values of the Company's financial instruments</a></td>
<td class="text"><div><p style="text-align: justify"><font style="font: x-small Arial">The estimated fair values of the Company&#8217;s financial instruments at December 31, 2019 and 2018 are as follows:</font></p>

<table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 100%">



<tr style="vertical-align: bottom">

   <td style="border-top: Black 1.5pt solid; width: 79%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td colspan="3" style="border-top: Black 1.5pt solid; width: 7%; white-space: nowrap; text-align: right">&#160;<b><font style="font: xx-small Arial"></font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="10" style="border-bottom: Black 1pt solid; width: 20%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">December 31, 2019</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">(dollars in thousands)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial"></font></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Carrying</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Fair</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Level 1</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Level 2</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Level 3</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left; background-color: Silver"><b><font style="font: x-small Arial">Financial Assets:</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><b><font style="font: x-small Arial"></font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Other investments, at cost</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">6,948</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">6,948</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">6,948</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="background-color: Silver; width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Loans<sup>(1)</sup></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">1,914,870</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">1,900,216</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">1,900,216</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial">Financial Liabilities:</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial"></font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="background-color: Silver; width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Deposits</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">1,876,124</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">1,772,121</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">1,772,121</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">-</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">FHLB and other borrowings</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">110,000</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">109,737</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">109,737</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; padding-left: 15pt; width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Subordinated debentures</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">35,890</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">33,250</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">33,250</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left">&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="10" style="width: 20%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="10" style="border-bottom: Black 1pt solid; width: 20%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">December 31, 2018</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">(dollars in thousands)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Carrying</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Fair</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Level 1</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Level 2</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Level 3</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left; background-color: Silver"><b><font style="font: x-small Arial">Financial Assets:</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><b><font style="font: x-small Arial"></font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Other investments, at cost</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4,121</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4,121</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4,121</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="background-color: Silver; width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Loans<sup>(1)</sup></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">1,648,998</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">1,618,618</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">1,618,618</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial">Financial Liabilities:</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial"></font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="background-color: Silver; width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Deposits</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">1,648,136</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">1,515,123</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">1,515,123</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">-</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">FHLB and other borrowings</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">50,000</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">50,147</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">50,147</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; padding-left: 15pt; width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Subordinated debentures</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">13,403</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">14,807</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">14,807</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td></tr></table>

<br />

<table cellspacing="0" cellpadding="0" border="0" style="line-height: normal; font-size: 7pt; border-collapse: collapse; width: 100%">



<tr style="vertical-align: bottom">

   <td style="width: 1%; white-space: nowrap; text-align: left; padding-right: 8pt"><font style="font: xx-small Arial"><sup>(1)</sup></font></td>

   <td style="width: 99%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">Carrying amount is net of the allowance for loan losses and previously presented impaired loans.</font></td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of assets and liabilities by class, including financial instruments measured at fair value that are classified in shareholders' equity, if any, that are measured at fair value on a nonrecurring basis in periods after initial recognition (for example, impaired assets). Disclosures may include, but are not limited to: (a) the fair value measurements recorded and the reasons for the measurements and (b) the level within the fair value hierarchy in which the fair value measurements are categorized in their entirety (levels 1, 2, 3).</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the fair value of financial instruments, including financial assets and financial liabilities, and the measurements of those instruments, assets, and liabilities.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of assets and liabilities, including [financial] instruments measured at fair value that are classified in stockholders' equity, if any, 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).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 820<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=117815213&amp;loc=d3e19207-110258<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 820<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=117815213&amp;loc=d3e19207-110258<br></p></div>
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6920393776">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Stock-Based Compensation (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2019</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract', window );"><strong>Share-based Payment Arrangement [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock', window );">Schedule of stock-based compensation expense</a></td>
<td class="text"><div><p style="text-align: justify"><font style="font: x-small Arial">Stock-based compensation expense was recorded as follows:</font></p>

<table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 100%">



<tr style="vertical-align: bottom">
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td colspan="6" style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td></tr>
<tr style="vertical-align: bottom">

   <td style="width: 87%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="6" style="border-bottom: Black 1pt solid; width: 12%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">For the years ended December 31,</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 87%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">(dollars in thousands)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2019</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160;&#160;</td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2018</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160;&#160;</td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2017</font></b></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 87%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Stock option expense</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;&#160;$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,270</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,183</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">959</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 87%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Restricted stock grant expense</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">428</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">319</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">299</font></td></tr>

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   <td style="border-bottom: Black 1.5pt solid; width: 87%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total stock-based compensation expense</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,698</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,502</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,258</font></td></tr></table></div><span></span>
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<td class="text"><div><p style="text-align: justify"><font style="font: x-small Arial">A summary of the status of the stock option plan and changes for the period is presented below:</font></p>

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   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%">&#160;</td>
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   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right; width: 1%">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right; width: 1%">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right; width: 1%">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right; width: 1%">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%">&#160;</td></tr>

<tr style="vertical-align: bottom">

   <td style="text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td colspan="23" style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">For the years ended December 31,</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2019</font></b></td>

   <td style="white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2018</font></b></td>

   <td style="white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2017</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Weighted</font></b></td>

   <td style="white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Weighted</font></b></td>

   <td style="white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Weighted</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td colspan="2" style="white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Weighted</font></b></td>

   <td style="white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Average</font></b></td>

   <td style="white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td colspan="2" style="white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Weighted</font></b></td>

   <td style="white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Average</font></b></td>

   <td style="white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td colspan="2" style="white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Weighted</font></b></td>

   <td style="white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Average</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td colspan="2" style="white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">average</font></b></td>

   <td style="white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Remaining</font></b></td>

   <td style="white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td colspan="2" style="white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">average</font></b></td>

   <td style="white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Remaining</font></b></td>

   <td style="white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td colspan="2" style="white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">average</font></b></td>

   <td style="white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Remaining</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"></td>

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   <td style="white-space: nowrap; text-align: right">&#160;</td>

   <td style="white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Contractual</font></b></td>

   <td style="white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td colspan="2" style="white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">exercise</font></b></td>

   <td style="white-space: nowrap; text-align: right">&#160;</td>

   <td style="white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Contractual</font></b></td>

   <td style="white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td colspan="2" style="white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">exercise</font></b></td>

   <td style="white-space: nowrap; text-align: right">&#160;</td>

   <td style="white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Contractual</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Shares</font></b></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right">&#160;</td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">price</font></b></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Life</font></b></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Shares</font></b></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">price</font></b></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Life</font></b></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Shares</font></b></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">price</font></b></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Life</font></b></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="text-align: left"><font style="font: xx-small Arial">Outstanding at beginning of year</font></td>

   <td style="white-space: nowrap; text-align: left">&#160;&#160;&#160;</td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial">648,311</font></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left">&#160;&#160;&#160;</td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial">$</font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial">20.74</font></td>

   <td style="white-space: nowrap; text-align: right">&#160;&#160;&#160;</td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left">&#160;&#160;&#160;</td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial">662,841</font></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left">&#160;&#160;&#160;</td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial">$</font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial">15.70</font></td>

   <td style="white-space: nowrap; text-align: right">&#160;&#160;&#160;</td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left">&#160;&#160;&#160;</td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial">642,203</font></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left">&#160;&#160;&#160;</td>

   <td style="white-space: nowrap; text-align: right; text-align: right"><font style="font: xx-small Arial">$</font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial">11.77</font></td>

   <td style="white-space: nowrap; text-align: right">&#160;&#160;&#160;</td>

   <td style="white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="text-align: left; padding-left: 15pt"><font style="font: xx-small Arial">Granted</font></td>

   <td style="white-space: nowrap; text-align: left"><font style="font: xx-small Arial"></font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial">101,350</font></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial">32.81</font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial"></font></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial">94,700</font></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial">43.13</font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial"></font></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial">110,950</font></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial">35.34</font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial"></font></td>

   <td style="white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="text-align: left; padding-left: 15pt"><font style="font: xx-small Arial">Exercised</font></td>

   <td style="white-space: nowrap; text-align: left"><font style="font: xx-small Arial"></font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial">(191,497</font></td>

   <td style="white-space: nowrap; text-align: left"><font style="font: xx-small Arial">)</font></td>

   <td style="white-space: nowrap; text-align: left"><font style="font: xx-small Arial"></font></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial">9.24</font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial"></font></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial">(105,630</font></td>

   <td style="white-space: nowrap; text-align: left"><font style="font: xx-small Arial">)</font></td>

   <td style="white-space: nowrap; text-align: left"><font style="font: xx-small Arial"></font></td>

   <td style="white-space: nowrap; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial">8.51</font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial"></font></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial">(74,437</font></td>

   <td style="white-space: nowrap; text-align: left"><font style="font: xx-small Arial">)</font></td>

   <td style="white-space: nowrap; text-align: left"><font style="font: xx-small Arial"></font></td>

   <td style="white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial">9.48</font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial"></font></td>

   <td style="white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; padding-left: 15pt; text-align: left"><font style="font: xx-small Arial">Forfeited or expired</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><font style="font: xx-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: xx-small Arial">(16,750</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">)</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><font style="font: xx-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: xx-small Arial">34.01</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: xx-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: xx-small Arial">(3,600</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">)</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><font style="font: xx-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: xx-small Arial">40.03</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: xx-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: xx-small Arial">(15,875</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">)</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><font style="font: xx-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: xx-small Arial">23.49</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: xx-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; text-align: left"><font style="font: xx-small Arial">Outstanding at end of year</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><font style="font: xx-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: xx-small Arial">541,414</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: xx-small Arial">$</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: xx-small Arial">26.65</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: xx-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: xx-small Arial">6.3 years</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: xx-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: xx-small Arial">648,311</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: xx-small Arial">$</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: xx-small Arial">20.74</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: xx-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: xx-small Arial">5.6 years</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: xx-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: xx-small Arial">662,841</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; text-align: right"><font style="font: xx-small Arial">$</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: xx-small Arial">15.70</font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: xx-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><font style="font: xx-small Arial">5.6 years</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="text-align: left"><font style="font: xx-small Arial">Options exercisable at year-end</font></td>

   <td style="white-space: nowrap; text-align: left"><font style="font: xx-small Arial"></font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial">305,991</font></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial">$</font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial">20.00</font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial"></font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial">4.9 years</font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial"></font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial">404,851</font></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial">$</font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial">12.58</font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial"></font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial">4.0 years</font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial"></font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial">419,766</font></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: right; text-align: right"><font style="font: xx-small Arial">$</font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial">9.20</font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial"></font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial">4.1 years</font></td></tr>


<tr style="vertical-align: bottom; background-color: Silver">

   <td style="text-align: left"><font style="font: xx-small Arial">Weighted average fair value of options granted during the year</font></td>

   <td style="white-space: nowrap; text-align: left"><font style="font: xx-small Arial"></font></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial">&#160;&#160;&#160;&#160;$</font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial">11.81</font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial"></font></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial">&#160;&#160;&#160;&#160;$</font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial">16.76</font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial"></font></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: left"></td>

   <td style="white-space: nowrap; text-align: right; text-align: right"><font style="font: xx-small Arial">&#160;&#160;&#160;&#160;$</font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial">14.14</font></td>

   <td style="white-space: nowrap; text-align: right"><font style="font: xx-small Arial"></font></td>

   <td style="white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1.5pt solid; text-align: left"><font style="font: xx-small Arial">Shares available for grant</font></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"><font style="font: xx-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><font style="font: xx-small Arial">183,990</font></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><font style="font: xx-small Arial">270,090</font></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><font style="font: xx-small Arial">359,690</font></td></tr></table></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfAssumptionsUsedTableTextBlock', window );">Schedule of assumptions used</a></td>
<td class="text"><div><p style="text-align: justify"><font style="font: x-small Arial">The fair value of the option grant is estimated on the date of grant using the Black-Scholes option-pricing model. The following assumptions were used for grants:</font></p>

<table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 100%">

<tr style="vertical-align: bottom">
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 94%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2019</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2018</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2017</font></b></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 94%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Dividend yield</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 94%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Expected life</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7 years</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7 years</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7 years</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 94%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Expected volatility</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">28.21%</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">32.07%</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">34.63%</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1.5pt solid; width: 94%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Risk-free interest rate</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2.59%</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2.50%</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2.04%</font></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfNonvestedRestrictedStockUnitsActivityTableTextBlock', window );">Summary of the status of the Company's nonvested restricted stock and changes</a></td>
<td class="text"><div><p style="text-align: justify"><font style="font: x-small Arial">A summary of the status of the Company&#8217;s nonvested restricted stock and changes for the years ended December 31, 2019, 2018, and 2017 is as follows:</font></p>


<table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 100%">
<tr style="vertical-align: bottom">
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td></tr>


<tr style="vertical-align: bottom">

   <td style="width: 82%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="17" style="border-bottom: Black 1pt solid; width: 17%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">December 31,</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 82%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2019</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2018</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2017</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 82%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Weighted</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Weighted</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Weighted</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 82%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Average</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Average</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Average</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 82%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Restricted</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Grant-Date</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: center"><b><font style="font: xx-small Arial">Restricted</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Grant-Date</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Restricted</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Grant-Date</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 82%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Shares</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Fair Value</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Shares</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Fair Value</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Shares</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Fair Value</font></b></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 82%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Nonvested at beginning of year</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">29,625</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">34.00</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">25,000</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">26.43</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">36,125</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">20.13</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 82%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Granted</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">14,700</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">33.64</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">13,000</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">42.87</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">6,500</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">35.14</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 82%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Vested</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(10,375</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">31.61</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(8,375</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">25.17</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(17,625</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">16.73</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 82%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Forfeited</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(1,125</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">28.03</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td></tr>

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   <td style="border-bottom: Black 1.5pt solid; width: 82%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Nonvested at end of year</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">32,825</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;&#160;&#160;$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">34.78</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">29,625</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;&#160;&#160;&#160;$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">34.00</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">25,000</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;&#160;&#160;&#160;$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">26.43</font></td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (k)<br> -URI http://asc.fasb.org/extlink&amp;oid=118255775&amp;loc=d3e1928-114920<br></p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the changes in outstanding nonvested restricted stock units.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=116856206&amp;loc=d3e5070-113901<br></p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (g)<br> -URI http://asc.fasb.org/extlink&amp;oid=116856206&amp;loc=d3e5070-113901<br></p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure for stock option plans. Includes, but is not limited to, outstanding awards at beginning and end of year, grants, exercises, forfeitures, and weighted-average grant date fair value.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=116856206&amp;loc=d3e5070-113901<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (e)<br> -URI http://asc.fasb.org/extlink&amp;oid=116856206&amp;loc=d3e5070-113901<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=116856206&amp;loc=d3e5070-113901<br></p></div>
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2019</div></th>
<th class="th"><div>Dec. 31, 2018</div></th>
<th class="th"><div>Dec. 31, 2017</div></th>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract', window );"><strong>Statement of Comprehensive Income [Abstract]</strong></a></td>
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<td class="text">&#160;<span></span>
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<td class="nump">$ 22,289<span></span>
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<td class="nump">$ 13,045<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentBeforeTaxPortionAttributableToParentAbstract', window );"><strong>Unrealized gain (loss) on securities available for sale:</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax', window );">Unrealized holding gain (loss) arising during the period, pretax</a></td>
<td class="nump">1,510<span></span>
</td>
<td class="num">(575)<span></span>
</td>
<td class="nump">191<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax', window );">Tax (expense) benefit</a></td>
<td class="num">(317)<span></span>
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<td class="nump">120<span></span>
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<td class="num">(140)<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax', window );">Reclassification of realized gain</a></td>
<td class="num">(727)<span></span>
</td>
<td class="num">(7)<span></span>
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<td class="num">(4)<span></span>
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<td class="nump">153<span></span>
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<td class="nump">1<span></span>
</td>
<td class="nump">1<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent', window );">Other comprehensive income (loss)</a></td>
<td class="nump">619<span></span>
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<td class="num">(461)<span></span>
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<td class="nump">48<span></span>
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<td class="nump">$ 21,828<span></span>
</td>
<td class="nump">$ 13,093<span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1A<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=118930883&amp;loc=SL7669619-108580<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(22))<br> -URI http://asc.fasb.org/extlink&amp;oid=116637391&amp;loc=SL114874048-224260<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1B<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=118930883&amp;loc=SL7669625-108580<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(18))<br> -URI http://asc.fasb.org/extlink&amp;oid=116637232&amp;loc=SL114874131-224263<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(20))<br> -URI http://asc.fasb.org/extlink&amp;oid=116634182&amp;loc=SL114868664-224227<br><br>Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -URI http://asc.fasb.org/extlink&amp;oid=118932676&amp;loc=d3e3602-108585<br><br>Reference 7: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetIncomeLoss</td>
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<td><strong> Balance Type:</strong></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentBeforeTaxPortionAttributableToParentAbstract</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesBeforeReclassificationAdjustmentsTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of tax expense (benefit) before reclassification adjustments of unrealized holding gain (loss) on available-for-sale securities and unrealized holding gain (loss) related to transfers of securities into the available-for-sale category and out of the held-to-maturity category.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 12<br> -URI http://asc.fasb.org/extlink&amp;oid=118930883&amp;loc=d3e640-108580<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesBeforeReclassificationAdjustmentsTax</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount after tax of other comprehensive income (loss) attributable to parent entity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1B<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=118930883&amp;loc=SL7669625-108580<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1A<br> -Subparagraph (c)(3)<br> -URI http://asc.fasb.org/extlink&amp;oid=109239629&amp;loc=SL4573702-111684<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 45<br> -Paragraph 20<br> -URI http://asc.fasb.org/extlink&amp;oid=108774443&amp;loc=SL4569643-111683<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1A<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=118930883&amp;loc=SL7669619-108580<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 45<br> -Paragraph 19<br> -URI http://asc.fasb.org/extlink&amp;oid=108774443&amp;loc=SL4569616-111683<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount before tax of reclassification adjustment from accumulated other comprehensive income for unrealized gain (loss) realized upon the sale of available-for-sale securities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=118930883&amp;loc=d3e637-108580<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 15<br> -URI http://asc.fasb.org/extlink&amp;oid=118930883&amp;loc=d3e689-108580<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=118939692&amp;loc=d3e27357-111563<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 17A<br> -URI http://asc.fasb.org/extlink&amp;oid=118930883&amp;loc=SL34724391-108580<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount before tax and reclassification adjustments of unrealized holding gain (loss) on available-for-sale securities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 10A<br> -Subparagraph (e)<br> -URI http://asc.fasb.org/extlink&amp;oid=118930883&amp;loc=SL7669646-108580<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=118930883&amp;loc=d3e637-108580<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=118939692&amp;loc=d3e27357-111563<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of tax expense (benefit) before reclassification adjustments of unrealized holding gain (loss) on available-for-sale securities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 12<br> -URI http://asc.fasb.org/extlink&amp;oid=118930883&amp;loc=d3e640-108580<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 10A<br> -Subparagraph (f)<br> -URI http://asc.fasb.org/extlink&amp;oid=118930883&amp;loc=SL7669646-108580<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6915585328">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Loans and Allowance for Loan Losses (Details 7) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
<th class="th"><div>Dec. 31, 2018</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_SummaryOfKeyInformationForImpairedLoansAbstract', window );"><strong>Summary of key information for impaired loans</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance', window );">Unpaid Principal Balance</a></td>
<td class="nump">$ 12,682<span></span>
</td>
<td class="nump">$ 14,991<span></span>
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<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Impaired loans</a></td>
<td class="nump">12,013<span></span>
</td>
<td class="nump">12,572<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment', window );">Impaired loans with no related allowance for loan losses</a></td>
<td class="nump">7,344<span></span>
</td>
<td class="nump">6,344<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment', window );">Impaired loans with related allowance for loan losses</a></td>
<td class="nump">4,669<span></span>
</td>
<td class="nump">6,228<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Related allowance for loan losses</a></td>
<td class="nump">1,438<span></span>
</td>
<td class="nump">2,014<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_CommercialLoanMember', window );">Commercial [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_SummaryOfKeyInformationForImpairedLoansAbstract', window );"><strong>Summary of key information for impaired loans</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance', window );">Unpaid Principal Balance</a></td>
<td class="nump">8,923<span></span>
</td>
<td class="nump">9,893<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Impaired loans</a></td>
<td class="nump">8,308<span></span>
</td>
<td class="nump">8,089<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment', window );">Impaired loans with no related allowance for loan losses</a></td>
<td class="nump">5,247<span></span>
</td>
<td class="nump">3,429<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment', window );">Impaired loans with related allowance for loan losses</a></td>
<td class="nump">3,061<span></span>
</td>
<td class="nump">4,660<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Related allowance for loan losses</a></td>
<td class="nump">992<span></span>
</td>
<td class="nump">1,528<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_CommercialLoanMember', window );">Commercial [Member] | Owner occupied RE [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_SummaryOfKeyInformationForImpairedLoansAbstract', window );"><strong>Summary of key information for impaired loans</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance', window );">Unpaid Principal Balance</a></td>
<td class="nump">2,791<span></span>
</td>
<td class="nump">2,827<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Impaired loans</a></td>
<td class="nump">2,726<span></span>
</td>
<td class="nump">2,762<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment', window );">Impaired loans with no related allowance for loan losses</a></td>
<td class="nump">2,270<span></span>
</td>
<td class="nump">2,311<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment', window );">Impaired loans with related allowance for loan losses</a></td>
<td class="nump">456<span></span>
</td>
<td class="nump">451<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Related allowance for loan losses</a></td>
<td class="nump">75<span></span>
</td>
<td class="nump">75<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_CommercialLoanMember', window );">Commercial [Member] | Non-owner occupied RE [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_SummaryOfKeyInformationForImpairedLoansAbstract', window );"><strong>Summary of key information for impaired loans</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance', window );">Unpaid Principal Balance</a></td>
<td class="nump">4,512<span></span>
</td>
<td class="nump">3,321<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Impaired loans</a></td>
<td class="nump">4,051<span></span>
</td>
<td class="nump">2,807<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment', window );">Impaired loans with no related allowance for loan losses</a></td>
<td class="nump">2,419<span></span>
</td>
<td class="nump">603<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment', window );">Impaired loans with related allowance for loan losses</a></td>
<td class="nump">1,632<span></span>
</td>
<td class="nump">2,204<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Related allowance for loan losses</a></td>
<td class="nump">465<span></span>
</td>
<td class="nump">558<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_CommercialLoanMember', window );">Commercial [Member] | Business [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_SummaryOfKeyInformationForImpairedLoansAbstract', window );"><strong>Summary of key information for impaired loans</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance', window );">Unpaid Principal Balance</a></td>
<td class="nump">1,620<span></span>
</td>
<td class="nump">3,745<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Impaired loans</a></td>
<td class="nump">1,531<span></span>
</td>
<td class="nump">2,520<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment', window );">Impaired loans with no related allowance for loan losses</a></td>
<td class="nump">558<span></span>
</td>
<td class="nump">515<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment', window );">Impaired loans with related allowance for loan losses</a></td>
<td class="nump">973<span></span>
</td>
<td class="nump">2,005<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Related allowance for loan losses</a></td>
<td class="nump">452<span></span>
</td>
<td class="nump">895<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_CommercialLoanMember', window );">Commercial [Member] | Construction [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_SummaryOfKeyInformationForImpairedLoansAbstract', window );"><strong>Summary of key information for impaired loans</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance', window );">Unpaid Principal Balance</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Impaired loans</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment', window );">Impaired loans with no related allowance for loan losses</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment', window );">Impaired loans with related allowance for loan losses</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Related allowance for loan losses</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember', window );">Consumer [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_SummaryOfKeyInformationForImpairedLoansAbstract', window );"><strong>Summary of key information for impaired loans</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance', window );">Unpaid Principal Balance</a></td>
<td class="nump">3,759<span></span>
</td>
<td class="nump">5,098<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Impaired loans</a></td>
<td class="nump">3,705<span></span>
</td>
<td class="nump">4,483<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment', window );">Impaired loans with no related allowance for loan losses</a></td>
<td class="nump">2,097<span></span>
</td>
<td class="nump">2,915<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment', window );">Impaired loans with related allowance for loan losses</a></td>
<td class="nump">1,608<span></span>
</td>
<td class="nump">1,568<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Related allowance for loan losses</a></td>
<td class="nump">446<span></span>
</td>
<td class="nump">486<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember', window );">Consumer [Member] | Other [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_SummaryOfKeyInformationForImpairedLoansAbstract', window );"><strong>Summary of key information for impaired loans</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance', window );">Unpaid Principal Balance</a></td>
<td class="nump">147<span></span>
</td>
<td class="nump">170<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Impaired loans</a></td>
<td class="nump">147<span></span>
</td>
<td class="nump">170<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment', window );">Impaired loans with no related allowance for loan losses</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment', window );">Impaired loans with related allowance for loan losses</a></td>
<td class="nump">147<span></span>
</td>
<td class="nump">170<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Related allowance for loan losses</a></td>
<td class="nump">16<span></span>
</td>
<td class="nump">30<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember', window );">Consumer [Member] | Construction [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_SummaryOfKeyInformationForImpairedLoansAbstract', window );"><strong>Summary of key information for impaired loans</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance', window );">Unpaid Principal Balance</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Impaired loans</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment', window );">Impaired loans with no related allowance for loan losses</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment', window );">Impaired loans with related allowance for loan losses</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Related allowance for loan losses</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember', window );">Consumer [Member] | Real estate [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_SummaryOfKeyInformationForImpairedLoansAbstract', window );"><strong>Summary of key information for impaired loans</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance', window );">Unpaid Principal Balance</a></td>
<td class="nump">2,727<span></span>
</td>
<td class="nump">2,993<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Impaired loans</a></td>
<td class="nump">2,720<span></span>
</td>
<td class="nump">2,892<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment', window );">Impaired loans with no related allowance for loan losses</a></td>
<td class="nump">1,638<span></span>
</td>
<td class="nump">1,494<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment', window );">Impaired loans with related allowance for loan losses</a></td>
<td class="nump">1,082<span></span>
</td>
<td class="nump">1,398<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Related allowance for loan losses</a></td>
<td class="nump">364<span></span>
</td>
<td class="nump">456<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember', window );">Consumer [Member] | Home equity [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_SummaryOfKeyInformationForImpairedLoansAbstract', window );"><strong>Summary of key information for impaired loans</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance', window );">Unpaid Principal Balance</a></td>
<td class="nump">885<span></span>
</td>
<td class="nump">1,935<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Impaired loans</a></td>
<td class="nump">838<span></span>
</td>
<td class="nump">1,421<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment', window );">Impaired loans with no related allowance for loan losses</a></td>
<td class="nump">459<span></span>
</td>
<td class="nump">1,421<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment', window );">Impaired loans with related allowance for loan losses</a></td>
<td class="nump">379<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Related allowance for loan losses</a></td>
<td class="nump">$ 66<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_SummaryOfKeyInformationForImpairedLoansAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_SummaryOfKeyInformationForImpairedLoansAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of investment of impaired financing receivables with related allowance for credit losses and without a related allowance for credit losses.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 14A<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=118936363&amp;loc=SL6953550-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ImpairedFinancingReceivableRecordedInvestment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of allowance for credit losses related to recorded investment.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 15<br> -Subparagraph (a)(3)<br> -URI http://asc.fasb.org/extlink&amp;oid=118936363&amp;loc=d3e5212-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ImpairedFinancingReceivableRelatedAllowance</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of unpaid principal balance of impaired financing receivables with related allowance for credit losses and without related allowance for credit losses.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 15<br> -Subparagraph (a)(4)<br> -URI http://asc.fasb.org/extlink&amp;oid=118936363&amp;loc=d3e5212-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of investment in impaired financing receivables for which there is no related allowance for credit losses.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 14A<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=118936363&amp;loc=SL6953550-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of investment in impaired financing receivables for which there is a related allowance for credit losses.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 14A<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=118936363&amp;loc=SL6953550-111524<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=us-gaap_CommercialLoanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_CommercialLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongtermDebtTypeAxis=sfst_OwnerOccupiedReMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LongtermDebtTypeAxis=sfst_OwnerOccupiedReMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongtermDebtTypeAxis=sfst_NonOwnerOccupiedReMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LongtermDebtTypeAxis=sfst_NonOwnerOccupiedReMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongtermDebtTypeAxis=sfst_BusinessLoanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LongtermDebtTypeAxis=sfst_BusinessLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConstructionLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConstructionLoansMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_ConsumerLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongtermDebtTypeAxis=sfst_OtherConsumerMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LongtermDebtTypeAxis=sfst_OtherConsumerMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_RealEstateLoanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_RealEstateLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_HomeEquityLoanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_HomeEquityLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>125
<FILENAME>R97.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<body>
<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6932163056">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Commitments and Contingencies (Details Textual)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th">
<div>Dec. 31, 2019 </div>
<div>USD ($) </div>
<div>ExecutiveOfficers</div>
</th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_CommitmentsAndContingenciesTextualAbstract', window );"><strong>Commitments and Contingencies (Textual)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_EmploymentAgreementDescription', window );">Description of employment agreement</a></td>
<td class="text">These agreements also include a) an incentive program, b) a stock option plan, c) a one-year non-compete agreement upon termination and a severance payment equal to one year of compensation.<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_EstimatedAggregateCommitment', window );">Estimated aggregate salary commitment | $</a></td>
<td class="nump">$ 3,300<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_AgreementWithDataProcessorExpired', window );">Agreement with data processor expire date</a></td>
<td class="text">2023<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_srt_TitleOfIndividualAxis=srt_PresidentMember', window );">President [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_CommitmentsAndContingenciesTextualAbstract', window );"><strong>Commitments and Contingencies (Textual)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_PeriodOfEmploymentAgreement', window );">Period of employment agreement</a></td>
<td class="text">2 years<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_srt_TitleOfIndividualAxis=srt_VicePresidentMember', window );">Vice President [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_CommitmentsAndContingenciesTextualAbstract', window );"><strong>Commitments and Contingencies (Textual)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_NumberOfExecutiveOfficers', window );">Number of executive officers | ExecutiveOfficers</a></td>
<td class="nump">12<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_srt_TitleOfIndividualAxis=srt_ChiefExecutiveOfficerMember', window );">Chief Executive Officer [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_CommitmentsAndContingenciesTextualAbstract', window );"><strong>Commitments and Contingencies (Textual)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_PeriodOfEmploymentAgreement', window );">Period of employment agreement</a></td>
<td class="text">3 years<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_AgreementWithDataProcessorExpired">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Agreement with data processor expired.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_AgreementWithDataProcessorExpired</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_CommitmentsAndContingenciesTextualAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_CommitmentsAndContingenciesTextualAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_EmploymentAgreementDescription">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Employment agreement description.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_EmploymentAgreementDescription</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_EstimatedAggregateCommitment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Estimated aggregate commitment.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_EstimatedAggregateCommitment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_NumberOfExecutiveOfficers">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of executive officers.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_NumberOfExecutiveOfficers</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_PeriodOfEmploymentAgreement">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Period of Employment agreement.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_PeriodOfEmploymentAgreement</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_TitleOfIndividualAxis=srt_PresidentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_TitleOfIndividualAxis=srt_PresidentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_TitleOfIndividualAxis=srt_VicePresidentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_TitleOfIndividualAxis=srt_VicePresidentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_TitleOfIndividualAxis=srt_ChiefExecutiveOfficerMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_TitleOfIndividualAxis=srt_ChiefExecutiveOfficerMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>126
<FILENAME>R93.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6927945312">
<tr>
<th class="tl" colspan="2" rowspan="1"><div style="width: 200px;"><strong>Fair Value Accounting (Details 3) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
<th class="th"><div>Dec. 31, 2018</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract', window );"><strong>Financial Assets:</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherInvestments', window );">Other investments, at cost, Carrying Amount</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">$ 6,948<span></span>
</td>
<td class="nump">$ 4,121<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableNet', window );">Loans, net, Carrying Amount</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">1,914,870<span></span>
</td>
<td class="nump">1,648,998<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherAssetsFairValueDisclosure', window );">Other investments, at cost, Fair Value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">6,948<span></span>
</td>
<td class="nump">4,121<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansReceivableFairValueDisclosure', window );">Loans, net, Fair Value</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">1,900,216<span></span>
</td>
<td class="nump">1,618,618<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract', window );"><strong>Financial Liabilities:</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Deposits', window );">Deposits, Carrying Amount</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,876,124<span></span>
</td>
<td class="nump">1,648,136<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvances', window );">FHLB and other borrowings, Carrying Amount</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">110,000<span></span>
</td>
<td class="nump">50,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SubordinatedDebt', window );">Subordinated debentures, Carrying Amount</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">35,890<span></span>
</td>
<td class="nump">13,403<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepositsFairValueDisclosure', window );">Deposits, Fair Value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,772,121<span></span>
</td>
<td class="nump">1,515,123<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure', window );">FHLB and other borrowings, Fair Value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">109,737<span></span>
</td>
<td class="nump">50,147<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisSubordinatedDebtObligations', window );">Junior subordinated debentures, Fair Value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">33,250<span></span>
</td>
<td class="nump">14,807<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementBasisAxis=us-gaap_EstimateOfFairValueFairValueDisclosureMember', window );">Estimate Of Fair Value, Fair Value Disclosure [Member] | Fair Value, Inputs, Level 1 [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract', window );"><strong>Financial Assets:</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherAssetsFairValueDisclosure', window );">Other investments, at cost, Fair Value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansReceivableFairValueDisclosure', window );">Loans, net, Fair Value</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract', window );"><strong>Financial Liabilities:</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepositsFairValueDisclosure', window );">Deposits, Fair Value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure', window );">FHLB and other borrowings, Fair Value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisSubordinatedDebtObligations', window );">Junior subordinated debentures, Fair Value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementBasisAxis=us-gaap_EstimateOfFairValueFairValueDisclosureMember', window );">Estimate Of Fair Value, Fair Value Disclosure [Member] | Fair Value, Inputs, Level 2 [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract', window );"><strong>Financial Assets:</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherAssetsFairValueDisclosure', window );">Other investments, at cost, Fair Value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansReceivableFairValueDisclosure', window );">Loans, net, Fair Value</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract', window );"><strong>Financial Liabilities:</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepositsFairValueDisclosure', window );">Deposits, Fair Value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,772,121<span></span>
</td>
<td class="nump">1,515,123<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure', window );">FHLB and other borrowings, Fair Value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">109,737<span></span>
</td>
<td class="nump">50,147<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisSubordinatedDebtObligations', window );">Junior subordinated debentures, Fair Value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">33,250<span></span>
</td>
<td class="nump">14,807<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementBasisAxis=us-gaap_EstimateOfFairValueFairValueDisclosureMember', window );">Estimate Of Fair Value, Fair Value Disclosure [Member] | Fair Value, Inputs, Level 3 [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract', window );"><strong>Financial Assets:</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherAssetsFairValueDisclosure', window );">Other investments, at cost, Fair Value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">6,948<span></span>
</td>
<td class="nump">4,121<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansReceivableFairValueDisclosure', window );">Loans, net, Fair Value</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">1,900,216<span></span>
</td>
<td class="nump">1,618,618<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract', window );"><strong>Financial Liabilities:</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepositsFairValueDisclosure', window );">Deposits, Fair Value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure', window );">FHLB and other borrowings, Fair Value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisSubordinatedDebtObligations', window );">Junior subordinated debentures, Fair Value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr><td colspan="3"></td></tr>
<tr><td colspan="3"><table class="outerFootnotes" width="100%"><tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[1]</td>
<td style="vertical-align: top;" valign="top">Carrying amount is net of the allowance for loan losses and previously presented impaired loans.</td>
</tr></table></td></tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Deposits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.12)<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_Deposits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DepositsFairValueDisclosure">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Fair value portion of deposit liabilities held by the entity, including, but not limited to, foreign and domestic, interest and noninterest bearing, demand deposits, saving deposits, negotiable orders of withdrawal (NOW) and time deposits.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DepositsFairValueDisclosure</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisSubordinatedDebtObligations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Fair value of subordinated debt obligations including, but not limited to, subordinated loan, subordinated bond, subordinated debenture or junior debt.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 820<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=117815213&amp;loc=d3e19207-110258<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 820<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=117815213&amp;loc=d3e19207-110258<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisSubordinatedDebtObligations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvances">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of Federal Home Loan Bank (FHLBank) advances to member financial institutions.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FederalHomeLoanBankAdvances</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Fair value portion of borrowing from Federal Home Loan Bank (FHLBank).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.13(3)(a))<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -URI http://asc.fasb.org/subtopic&amp;trid=2196772<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Fair value portion of other assets.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of investments classified as other.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityPublicFloat', window );">Entity Public Float</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 272,689,353<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityCommonStockSharesOutstanding', window );">Entity Common Stock, Shares Outstanding</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">7,697,454<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityInteractiveDataCurrent', window );">Entity Interactive Data Current</a></td>
<td class="text">Yes<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityIncorporationStateCountryCode', window );">Entity Incorporation State Country Code</a></td>
<td class="text">SC<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityFileNumber', window );">Entity File Number</a></td>
<td class="text">000-27719<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AmendmentFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AmendmentFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CurrentFiscalYearEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>End date of current fiscal year in the format --MM-DD.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CurrentFiscalYearEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:gMonthDayItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentFiscalPeriodFocus">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Fiscal period values are FY, Q1, Q2, and Q3.  1st, 2nd and 3rd quarter 10-Q or 10-QT statements have value Q1, Q2, and Q3 respectively, with 10-K, 10-KT or other fiscal year statements having FY.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentFiscalPeriodFocus</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fiscalPeriodItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentFiscalYearFocus">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentFiscalYearFocus</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:gYearItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentPeriodEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentType">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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'.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentType</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:submissionTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCommonStockSharesOutstanding">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCommonStockSharesOutstanding</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCurrentReportingStatus">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indicate 'Yes' or 'No' whether registrants (1) have 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 registrants were required to file such reports), and (2) have been subject to such filing requirements for the past 90 days. This information should be based on the registrant's current or most recent filing containing the related disclosure.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCurrentReportingStatus</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:yesNoItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityEmergingGrowthCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityEmergingGrowthCompany</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFileNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFileNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fileNumberItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFilerCategory">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indicate whether the registrant is one of the following: Large Accelerated Filer, Accelerated Filer, Non-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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFilerCategory</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:filerCategoryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityIncorporationStateCountryCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Two-character EDGAR code representing the state or country of incorporation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityIncorporationStateCountryCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarStateCountryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityInteractiveDataCurrent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-T<br> -Number 232<br> -Section 405<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityInteractiveDataCurrent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:yesNoItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityPublicFloat">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The aggregate market value of the voting and non-voting common equity held by non-affiliates computed by reference to the price at which the common equity was last sold, or the average bid and asked price of such common equity, as of the last business day of the registrant's most recently completed second fiscal quarter.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityPublicFloat</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityShellCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the registrant is a shell company as defined in Rule 12b-2 of the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityShellCompany</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntitySmallBusiness">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indicates that the company is a Smaller Reporting Company (SRC).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntitySmallBusiness</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityVoluntaryFilers">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indicate 'Yes' or 'No' if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityVoluntaryFilers</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:yesNoItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityWellKnownSeasonedIssuer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indicate 'Yes' or 'No' if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. Is used on Form Type: 10-K, 10-Q, 8-K, 20-F, 6-K, 10-K/A, 10-Q/A, 20-F/A, 6-K/A, N-CSR, N-Q, N-1A.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityWellKnownSeasonedIssuer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:yesNoItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_DocumentAndEntityInformationAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_DocumentAndEntityInformationAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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</body>
</html>
</TEXT>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>128
<FILENAME>R63.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
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<html>
<head>
<title></title>
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6915205584">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Loans and Allowance for Loan Losses (Details 3) - Commercial Loans [Member] - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
<th class="th"><div>Dec. 31, 2018</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Credit Quality Indicator [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableBeforeFeesGross', window );">Outstanding commercial loans</a></td>
<td class="nump">$ 1,298,338<span></span>
</td>
<td class="nump">$ 1,128,705<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=sfst_CommercialLoansMember', window );">Business [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Credit Quality Indicator [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableBeforeFeesGross', window );">Outstanding commercial loans</a></td>
<td class="nump">308,123<span></span>
</td>
<td class="nump">272,980<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=sfst_CommercialLoansMember', window );">Non-owner occupied RE [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Credit Quality Indicator [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableBeforeFeesGross', window );">Outstanding commercial loans</a></td>
<td class="nump">501,878<span></span>
</td>
<td class="nump">404,296<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=sfst_CommercialLoansMember', window );">Owner occupied RE [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Credit Quality Indicator [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableBeforeFeesGross', window );">Outstanding commercial loans</a></td>
<td class="nump">407,851<span></span>
</td>
<td class="nump">367,018<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=sfst_CommercialLoansMember', window );">Construction [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Credit Quality Indicator [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableBeforeFeesGross', window );">Outstanding commercial loans</a></td>
<td class="nump">80,486<span></span>
</td>
<td class="nump">84,411<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=sfst_CommercialLoansMember', window );">Doubtful [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Credit Quality Indicator [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableBeforeFeesGross', window );">Outstanding commercial loans</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=sfst_CommercialLoansMember', window );">Doubtful [Member] | Business [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Credit Quality Indicator [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableBeforeFeesGross', window );">Outstanding commercial loans</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=sfst_CommercialLoansMember', window );">Doubtful [Member] | Non-owner occupied RE [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Credit Quality Indicator [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableBeforeFeesGross', window );">Outstanding commercial loans</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=sfst_CommercialLoansMember', window );">Doubtful [Member] | Owner occupied RE [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Credit Quality Indicator [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableBeforeFeesGross', window );">Outstanding commercial loans</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=sfst_CommercialLoansMember', window );">Doubtful [Member] | Construction [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Credit Quality Indicator [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableBeforeFeesGross', window );">Outstanding commercial loans</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=sfst_CommercialLoansMember', window );">Special Mention [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Credit Quality Indicator [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableBeforeFeesGross', window );">Outstanding commercial loans</a></td>
<td class="nump">5,164<span></span>
</td>
<td class="nump">3,385<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=sfst_CommercialLoansMember', window );">Special Mention [Member] | Business [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Credit Quality Indicator [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableBeforeFeesGross', window );">Outstanding commercial loans</a></td>
<td class="nump">3,108<span></span>
</td>
<td class="nump">2,971<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=sfst_CommercialLoansMember', window );">Special Mention [Member] | Non-owner occupied RE [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Credit Quality Indicator [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableBeforeFeesGross', window );">Outstanding commercial loans</a></td>
<td class="nump">744<span></span>
</td>
<td class="nump">118<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=sfst_CommercialLoansMember', window );">Special Mention [Member] | Owner occupied RE [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Credit Quality Indicator [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableBeforeFeesGross', window );">Outstanding commercial loans</a></td>
<td class="nump">1,312<span></span>
</td>
<td class="nump">296<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=sfst_CommercialLoansMember', window );">Special Mention [Member] | Construction [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Credit Quality Indicator [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableBeforeFeesGross', window );">Outstanding commercial loans</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=sfst_CommercialLoansMember', window );">Substandard [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Credit Quality Indicator [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableBeforeFeesGross', window );">Outstanding commercial loans</a></td>
<td class="nump">14,006<span></span>
</td>
<td class="nump">10,124<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=sfst_CommercialLoansMember', window );">Substandard [Member] | Business [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Credit Quality Indicator [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableBeforeFeesGross', window );">Outstanding commercial loans</a></td>
<td class="nump">3,511<span></span>
</td>
<td class="nump">3,111<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=sfst_CommercialLoansMember', window );">Substandard [Member] | Non-owner occupied RE [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Credit Quality Indicator [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableBeforeFeesGross', window );">Outstanding commercial loans</a></td>
<td class="nump">8,193<span></span>
</td>
<td class="nump">3,912<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=sfst_CommercialLoansMember', window );">Substandard [Member] | Owner occupied RE [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Credit Quality Indicator [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableBeforeFeesGross', window );">Outstanding commercial loans</a></td>
<td class="nump">2,302<span></span>
</td>
<td class="nump">3,101<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=sfst_CommercialLoansMember', window );">Substandard [Member] | Construction [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Credit Quality Indicator [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableBeforeFeesGross', window );">Outstanding commercial loans</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=sfst_CommercialLoansMember', window );">Pass [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Credit Quality Indicator [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableBeforeFeesGross', window );">Outstanding commercial loans</a></td>
<td class="nump">1,279,168<span></span>
</td>
<td class="nump">1,115,196<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=sfst_CommercialLoansMember', window );">Pass [Member] | Business [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Credit Quality Indicator [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableBeforeFeesGross', window );">Outstanding commercial loans</a></td>
<td class="nump">301,504<span></span>
</td>
<td class="nump">266,898<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=sfst_CommercialLoansMember', window );">Pass [Member] | Non-owner occupied RE [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Credit Quality Indicator [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableBeforeFeesGross', window );">Outstanding commercial loans</a></td>
<td class="nump">492,941<span></span>
</td>
<td class="nump">400,266<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=sfst_CommercialLoansMember', window );">Pass [Member] | Owner occupied RE [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Credit Quality Indicator [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableBeforeFeesGross', window );">Outstanding commercial loans</a></td>
<td class="nump">404,237<span></span>
</td>
<td class="nump">363,621<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=sfst_CommercialLoansMember', window );">Pass [Member] | Construction [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Credit Quality Indicator [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableBeforeFeesGross', window );">Outstanding commercial loans</a></td>
<td class="nump">$ 80,486<span></span>
</td>
<td class="nump">$ 84,411<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableBeforeFeesGross">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount, before allowance and fees, of loans and leases receivable. Excludes loans and leases covered under loss sharing agreements.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=118952595&amp;loc=d3e4428-111522<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LoansAndLeasesReceivableBeforeFeesGross</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=sfst_CommercialLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=sfst_CommercialLoansMember</td>
</tr>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongtermDebtTypeAxis=sfst_BusinessLoanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LongtermDebtTypeAxis=sfst_BusinessLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongtermDebtTypeAxis=sfst_NonOwnerOccupiedReMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LongtermDebtTypeAxis=sfst_NonOwnerOccupiedReMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongtermDebtTypeAxis=sfst_OwnerOccupiedReMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LongtermDebtTypeAxis=sfst_OwnerOccupiedReMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongtermDebtTypeAxis=us-gaap_ConstructionLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LongtermDebtTypeAxis=us-gaap_ConstructionLoansMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_DoubtfulMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InternalCreditAssessmentAxis=us-gaap_DoubtfulMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_SpecialMentionMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InternalCreditAssessmentAxis=us-gaap_SpecialMentionMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_SubstandardMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InternalCreditAssessmentAxis=us-gaap_SubstandardMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_PassMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InternalCreditAssessmentAxis=us-gaap_PassMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>129
<FILENAME>R9.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6811793344">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Investment Securities<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2019</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract', window );"><strong>Investments, Debt and Equity Securities [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock', window );">Investment Securities</a></td>
<td class="text"><div><p style="text-align: justify"><b><font style="font: x-small Arial">NOTE 2 &#8211; Investment Securities</font></b></p>

<p style="text-align: justify"><font style="font: x-small Arial">The amortized costs and fair value of investment securities are as follows:</font></p>

<table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse">



<tr style="vertical-align: bottom">

   <td style="border-top: Black 1.5pt solid; width: 91%; white-space: nowrap; text-align: left">&#160;</td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 91%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="8" style="border-bottom: Black 1pt solid; width: 8%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">December 31, 2019</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 91%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Amortized</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td colspan="3" style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Gross Unrealized</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Fair</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 91%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">(dollars in thousands)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial"></font></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Cost</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Gains</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Losses</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Value</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 91%; white-space: nowrap; text-align: left; background-color: Silver"><b><font style="font: x-small Arial">Available for sale</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><b><font style="font: x-small Arial"></font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 91%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">US government agencies</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">500</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">499</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 91%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial">SBA securities</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">550</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">19</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">531</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 91%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">State and political subdivisions</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4,205</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">24</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4,184</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 91%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial">Asset-backed securities</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">13,351</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">184</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">13,167</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 91%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Mortgage-backed securities</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="padding-left: 30pt; width: 91%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial">FHLMC</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">10,609</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">14</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">15</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">10,608</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 91%; white-space: nowrap; text-align: left; padding-left: 30pt"><font style="font: x-small Arial">FNMA</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">35,275</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">34</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">169</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">35,140</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; padding-left: 30pt; width: 91%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial">GNMA</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">3,581</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">5</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">21</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">3,565</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 91%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Total mortgage-backed securities</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">49,465</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">53</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">205</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">49,313</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1.5pt solid; padding-left: 45pt; background-color: Silver; width: 91%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;$</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">68,071</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">56</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">433</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">67,694</font></td></tr></table>


<p style="text-align: center"></p>



<table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse">



<tr style="vertical-align: bottom">

   <td style="border-top: Black 1.5pt solid; width: 91%; white-space: nowrap; text-align: left">&#160;</td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="8" style="border-top: Black 1.5pt solid; width: 8%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 91%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="8" style="border-bottom: Black 1pt solid; width: 8%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">December 31, 2018</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 91%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Amortized</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td colspan="3" style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Gross Unrealized</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Fair</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 91%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Cost</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Gains</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Losses</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Value</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 91%; white-space: nowrap; text-align: left; background-color: Silver"><b><font style="font: x-small Arial">Available for sale</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><b><font style="font: x-small Arial"></font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 91%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">US government agencies</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">8,975</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">194</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">8,782</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 91%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial">SBA securities</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">3,628</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">103</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">3,525</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 91%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">State and political subdivisions</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">8,371</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">48</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">63</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">8,356</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 91%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial">Asset-backed securities</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">9,595</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">12</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">49</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">9,558</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 91%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Mortgage-backed securities</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="padding-left: 30pt; width: 91%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial">FHLMC</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">12,258</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">87</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">242</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">12,103</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 91%; white-space: nowrap; text-align: left; padding-left: 30pt"><font style="font: x-small Arial">FNMA</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">29,068</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">25</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">551</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">28,542</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; padding-left: 30pt; background-color: Silver; width: 91%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">GNMA</font></td>

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4,170</font></td>

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1</font></td>

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">132</font></td>

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4,039</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 91%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total mortgage-backed securities</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">45,496</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">113</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">925</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">44,684</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1.5pt solid; padding-left: 45pt; background-color: Silver; width: 91%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;$</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">76,065</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">174</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,334</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">74,905</font></td></tr></table>


<p style="text-align: justify"><font style="font: x-small Arial">During 2019, approximately $34.9 million of investment securities were either sold or called, subsequently resulting in a gain on sale of investment securities of $727,000.</font></p>

<p style="text-align: justify"><font style="font: x-small Arial">The amortized costs and fair values of investment securities available for sale at December 31, 2019 and 2018, by contractual maturity, are shown below. Expected maturities may differ from contractual maturities because issuers have the right to prepay the obligations.</font></p>

<table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse">



<tr style="vertical-align: bottom">

   <td style="border-top: Black 1.5pt solid; width: 91%; white-space: nowrap; text-align: left">&#160;</td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="8" style="border-top: Black 1.5pt solid; width: 8%; white-space: nowrap; text-align: center"><b><font style="font: xx-small Arial"></font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 91%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="8" style="border-bottom: Black 1pt solid; width: 8%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">December 31,</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 91%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2019</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2018</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 91%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="2" style="width: 2%; text-align: right"><b><font style="font: xx-small Arial">Amortized</font></b></td>

   <td style="width: 1%; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Fair</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Amortized</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Fair</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 91%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">(dollars in thousands)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial"></font></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Cost</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Value</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Cost</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Value</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 91%; white-space: nowrap; text-align: left; background-color: Silver"><b><font style="font: x-small Arial">Available for sale</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><b><font style="font: x-small Arial"></font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 91%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Due within one year</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;&#160;&#160;&#160;&#160;</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;&#160;&#160;&#160;&#160;</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 91%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial">Due after one through five years</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">4,699</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">4,675</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">8,681</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">8,578</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 91%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Due after five through ten years</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">10,454</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">10,414</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">22,796</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">22,379</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 91%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Due after ten years</font></td>

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">52,918</font></td>

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">52,605</font></td>

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">44,588</font></td>

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">43,948</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1.5pt solid; width: 91%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">68,071</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">67,694</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">76,065</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">74,905</font></td></tr></table>


<p style="text-align: justify"><font style="font: x-small Arial">The tables below summarize gross unrealized losses on investment securities and the fair market value of the related securities, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, at December 31, 2019 and 2018.</font></p>

<table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse">



<tr style="vertical-align: bottom">

   <td style="border-top: Black 1.5pt solid; width: 76%; white-space: nowrap; text-align: left">&#160;</td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="7" style="border-top: Black 1.5pt solid; width: 7%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td colspan="5" style="border-top: Black 1.5pt solid; width: 5%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td colspan="2" style="border-top: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 76%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="7" style="border-bottom: Black 1pt solid; width: 7%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Less than 12 months</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td colspan="5" style="border-bottom: Black 1pt solid; width: 5%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">12 months or longer</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Total</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 76%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Fair</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Unrealized</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Fair</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Unrealized</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Fair</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td colspan="2" style="width: 2%; text-align: right"><b><font style="font: xx-small Arial">Unrealized</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 76%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">(dollars in thousands)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">#</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">value</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">losses</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">#</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">value</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">losses</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">#</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">value</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">losses</font></b></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 76%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial">As of December 31, 2019</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial"></font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 76%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial">Available for sale</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial"></font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

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   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 76%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">US government agencies</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">499</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;&#160;&#160;&#160;</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">499</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 76%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">SBA securities</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">531</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">19</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">531</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">19</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 76%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">State and political subdivisions</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,093</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">24</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,093</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">24</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 76%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Asset-backed</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">5</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">5,921</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">68</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">5</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,246</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">116</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">10</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">13,167</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">184</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 76%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Mortgage-backed</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 76%; white-space: nowrap; text-align: left; padding-left: 30pt"><font style="font: x-small Arial">FHLMC</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3,842</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,323</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">13</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">8</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">6,165</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">15</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 76%; white-space: nowrap; text-align: left; padding-left: 30pt"><font style="font: x-small Arial">FNMA</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">14</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">15,500</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">67</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">11</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">9,462</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">102</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">25</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">24,962</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">169</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; padding-left: 30pt; width: 76%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">GNMA</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,240</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">6</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">734</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">15</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,974</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">21</font></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1.5pt solid; width: 76%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">28</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">30,095</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;&#160;&#160;&#160;&#160;&#160;&#160;$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">168</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">22</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">20,296</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;&#160;&#160;&#160;&#160;&#160;$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">265</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">50</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">50,391</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;&#160;&#160;&#160;&#160;&#160;&#160;$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">433</font></td></tr></table>


<p style="text-align: center"></p>



<table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse">

<tr style="vertical-align: bottom">
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 76%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>


   <td colspan="7" style="border-bottom: Black 1pt solid; width: 5%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Less than 12 months</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="5" style="border-bottom: Black 1pt solid; width: 5%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">12 months or longer</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Total</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 76%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Fair</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Unrealized</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Fair</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Unrealized</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Fair</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td colspan="2" style="width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Unrealized</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 76%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">(dollars in thousands)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">#</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">value</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">losses</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">#</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><b><font style="font: xx-small Arial"></font></b></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">value</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">losses</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">#</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><b><font style="font: xx-small Arial"></font></b></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">value</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">losses</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 76%; white-space: nowrap; text-align: left; background-color: Silver"><b><font style="font: x-small Arial">As of December 31, 2018</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><b><font style="font: x-small Arial"></font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 76%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial">Available for sale</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial"></font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="padding-left: 15pt; width: 76%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial">US government agencies</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver">&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">1</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver">&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">1,246</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver">&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">3</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver">&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">8</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver">&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">7,035</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver">&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">191</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver">&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">9</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver">&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">8,281</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver">&#160;&#160;&#160;&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">$</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">194</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 76%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">SBA securities</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"><font style="font: x-small Arial">2</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3,525</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">103</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"><font style="font: x-small Arial">2</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3,525</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">103</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="padding-left: 15pt; width: 76%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial">State and political subdivisions</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">7</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">2,829</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">63</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">7</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">2,829</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">63</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 76%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Asset-backed</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"><font style="font: x-small Arial">4</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">6,707</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">49</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"><font style="font: x-small Arial">4</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">6,707</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">49</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="padding-left: 15pt; width: 76%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial">Mortgage-backed</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 76%; white-space: nowrap; text-align: left; padding-left: 30pt"><font style="font: x-small Arial">FHLMC</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"><font style="font: x-small Arial">10</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,402</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">242</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"><font style="font: x-small Arial">10</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">7,402</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; text-align: right"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">242</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="padding-left: 30pt; width: 76%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial">FNMA</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">2</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">2,689</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">6</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">23</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">22,814</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">545</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">25</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">25,503</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">551</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; padding-left: 30pt; width: 76%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">GNMA</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,104</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">6</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,919</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">126</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4,023</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">132</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 76%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">8</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;&#160;&#160;&#160;$</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">11,746</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;$</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">64</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">53</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">46,524</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;&#160;&#160;$</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">1,270</font></td>

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   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

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   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;&#160;&#160;$</font></td>

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<p style="text-align: justify"><font style="font: x-small Arial">At December 31, 2019, the Company had 28 individual investments with a fair market value of $30.1 million that were in an unrealized loss position for less than 12 months and 22 individual investments with a fair market value of $20.3 million that were in an unrealized loss position for 12 months or longer. The unrealized losses were primarily attributable to changes in interest rates, rather than deterioration in credit quality. The individual securities are each investment grade securities. The Company considers the length of time and extent to which the fair value of available-for-sale debt securities have been less than cost to conclude that such securities were not other-than-temporarily impaired. We also consider other factors such as the financial condition of the issuer including credit ratings and specific events affecting the operations of the issuer, volatility of the security, underlying assets that collateralize the debt security, and other industry and macroeconomic conditions. As the Company has no intent to sell securities with unrealized losses and it is not more-likely-than-not that the Company will be required to sell these securities before recovery of amortized cost, we have concluded that the securities are not impaired on an other-than-temporary basis.</font></p>

<p style="text-align: justify"><font style="font: x-small Arial">Other investments are comprised of the following and are recorded at cost which approximates fair value:</font></p>

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   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
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   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td>
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   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">$</font></td>

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   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

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<p style="text-align: justify"><font style="font: x-small Arial">The Company has evaluated the FHLB stock for impairment and determined that the investment in FHLB stock is not other than temporarily impaired as of December 31, 2019 and ultimate recoverability of the par value of this investment is probable. All of the FHLB stock is used to collateralize advances with the FHLB.</font></p>

<p style="text-align: justify"><font style="font: x-small Arial">At December 31, 2019 and 2018, there were no securities pledged as collateral for repurchase agreements from brokers.</font></p></div><span></span>
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6913370768">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Related Party Transactions (Details Textual)<br></strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th">
<div>Dec. 31, 2019 </div>
<div>USD ($)</div>
</th>
<th class="th">
<div>Dec. 31, 2018 </div>
<div>USD ($) </div>
<div>Offices</div>
</th>
<th class="th">
<div>Dec. 31, 2017 </div>
<div>USD ($)</div>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_RelatedPartyTransactionsTextualAbstract', window );"><strong>Related Party Transactions (Textual)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="nump">4<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis=srt_DirectorMember', window );">Director [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_RelatedPartyTransactionsTextualAbstract', window );"><strong>Related Party Transactions (Textual)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OperatingLeasesRentExpenseNet', window );">Monthly payments of land lease by Company</a></td>
<td class="nump">$ 8,256<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="nump">$ 21,000<span></span>
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<td class="nump">$ 38,000<span></span>
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<td class="nump">600,000<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CostOfGoodsAndServicesSold', window );">Payment for employment recruiting services</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">38,000<span></span>
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<td class="text">&#160;<span></span>
</td>
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<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis=sfst_DirectorsAffiliatesAndExecutiveOfficersMember', window );">Directors Affiliates and Executive Officers [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_RelatedPartyTransactionsTextualAbstract', window );"><strong>Related Party Transactions (Textual)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RelatedPartyDepositLiabilities', window );">Deposits by related parties</a></td>
<td class="nump">$ 2,500,000<span></span>
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<td class="nump">$ 2,700,000<span></span>
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<td class="text">&#160;<span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of offices.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Property development and advisory fees.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of expense derived from property management services.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The aggregate costs related to goods produced and sold and services rendered by an entity during the reporting period. This excludes costs incurred during the reporting period related to financial services rendered and other revenue generating activities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03.2(a),(d))<br> -URI http://asc.fasb.org/extlink&amp;oid=116634182&amp;loc=SL114868664-224227<br></p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Rental expense for the reporting period incurred under operating leases, including minimum and any contingent rent expense, net of related sublease income.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 840<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=77902758&amp;loc=d3e41499-112717<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of deposits held by the entity for a related party (entity, shareholder, employee).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08.(k))<br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br></p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RelatedPartyTransactionsByRelatedPartyAxis=sfst_DirectorsAffiliatesAndExecutiveOfficersMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<DESCRIPTION>IDEA: XBRL DOCUMENT
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<head>
<title></title>
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<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6916494512">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Stock-Based Compensation (Details 1) - Employee Stock Option [Member] - $ / shares<br></strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2019</div></th>
<th class="th"><div>Dec. 31, 2018</div></th>
<th class="th"><div>Dec. 31, 2017</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_SummaryOfStatusOfStockOptionPlanAndChangesAbstract', window );"><strong>Summary of the status of the stock option plan and changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber', window );">Shares Outstanding at beginning of year</a></td>
<td class="nump">648,311<span></span>
</td>
<td class="nump">662,841<span></span>
</td>
<td class="nump">642,203<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross', window );">Shares Granted</a></td>
<td class="nump">101,350<span></span>
</td>
<td class="nump">94,700<span></span>
</td>
<td class="nump">110,950<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised', window );">Shares Exercised</a></td>
<td class="num">(191,497)<span></span>
</td>
<td class="num">(105,630)<span></span>
</td>
<td class="num">(74,437)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriod', window );">Shares Forfeited or expired</a></td>
<td class="num">(16,750)<span></span>
</td>
<td class="num">(3,600)<span></span>
</td>
<td class="num">(15,875)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber', window );">Shares Outstanding at end of year</a></td>
<td class="nump">541,414<span></span>
</td>
<td class="nump">648,311<span></span>
</td>
<td class="nump">662,841<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber', window );">Shares options exercisable at year-end</a></td>
<td class="nump">305,991<span></span>
</td>
<td class="nump">404,851<span></span>
</td>
<td class="nump">419,766<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant', window );">Shares available for grant</a></td>
<td class="nump">183,990<span></span>
</td>
<td class="nump">270,090<span></span>
</td>
<td class="nump">359,690<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice', window );">Weighted average exercise price Outstanding at beginning of year</a></td>
<td class="nump">$ 20.74<span></span>
</td>
<td class="nump">$ 15.70<span></span>
</td>
<td class="nump">$ 11.77<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice', window );">Weighted average exercise price Granted</a></td>
<td class="nump">32.81<span></span>
</td>
<td class="nump">43.13<span></span>
</td>
<td class="nump">35.34<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice', window );">Weighted average exercise price Exercised</a></td>
<td class="nump">9.24<span></span>
</td>
<td class="nump">8.51<span></span>
</td>
<td class="nump">9.48<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriodWeightedAverageExercisePrice', window );">Weighted average exercise price Forfeited or expired</a></td>
<td class="nump">34.01<span></span>
</td>
<td class="nump">40.03<span></span>
</td>
<td class="nump">23.49<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice', window );">Weighted average exercise price Outstanding at end of year</a></td>
<td class="nump">26.65<span></span>
</td>
<td class="nump">20.74<span></span>
</td>
<td class="nump">15.70<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice', window );">Weighted average exercise price, Options exercisable at year-end</a></td>
<td class="nump">20.00<span></span>
</td>
<td class="nump">12.58<span></span>
</td>
<td class="nump">9.20<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue', window );">Weighted average fair value of options granted during the year</a></td>
<td class="nump">$ 11.81<span></span>
</td>
<td class="nump">$ 16.76<span></span>
</td>
<td class="nump">$ 14.14<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2', window );">Weighted Average Remaining Contractual Life, Outstanding at end of year</a></td>
<td class="text">6 years 3 months 19 days<span></span>
</td>
<td class="text">5 years 7 months 6 days<span></span>
</td>
<td class="text">5 years 7 months 6 days<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1', window );">Weighted Average Remaining Contractual Life, Options exercisable at year-end</a></td>
<td class="text">4 years 10 months 25 days<span></span>
</td>
<td class="text">4 years<span></span>
</td>
<td class="text">4 years 1 month 6 days<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_sfst_SummaryOfStatusOfStockOptionPlanAndChangesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">sfst_SummaryOfStatusOfStockOptionPlanAndChangesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>sfst_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The difference between the maximum number of shares (or other type of equity) authorized for issuance under the plan (including the effects of amendments and adjustments), and the sum of: 1) the number of shares (or other type of equity) already issued upon exercise of options or other equity-based awards under the plan; and 2) shares (or other type of equity) reserved for issuance on granting of outstanding awards, net of cancellations and forfeitures, if applicable.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=116856206&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The number of shares into which fully or partially vested stock options outstanding as of the balance sheet date can be currently converted under the option plan.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(iii)<br> -URI http://asc.fasb.org/extlink&amp;oid=116856206&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The weighted-average price as of the balance sheet date at which grantees can acquire the shares reserved for issuance on vested portions of options outstanding and currently exercisable under the stock option plan.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(iii)<br> -URI http://asc.fasb.org/extlink&amp;oid=116856206&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>For presentations that combine terminations, the number of shares under options that were cancelled during the reporting period as a result of occurrence of a terminating event specified in contractual agreements pertaining to the stock option plan or that expired.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(iv)(3)-(4)<br> -URI http://asc.fasb.org/extlink&amp;oid=116856206&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriodWeightedAverageExercisePrice">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Weighted average price of options that were either forfeited or expired.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(iv)(3)-(4)<br> -URI http://asc.fasb.org/extlink&amp;oid=116856206&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriodWeightedAverageExercisePrice</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Gross number of share options (or share units) granted during the period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The weighted average grant-date fair value of options granted during the reporting period as calculated by applying the disclosed option pricing methodology.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (d)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=116856206&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of options outstanding, including both vested and non-vested options.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=116856206&amp;loc=d3e5070-113901<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(i)-(ii)<br> -URI http://asc.fasb.org/extlink&amp;oid=116856206&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Weighted average price at which grantees can acquire the shares reserved for issuance under the stock option plan.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(i)<br> -URI http://asc.fasb.org/extlink&amp;oid=116856206&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Weighted average price at which option holders acquired shares when converting their stock options into shares.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Period Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Weighted average per share amount at which grantees can acquire shares of common stock by exercise of options.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td>num:perShareItemType</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Weighted average remaining contractual term for vested portions of options outstanding and currently exercisable or convertible, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=116856206&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Weighted average remaining contractual term for option awards outstanding, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (e)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=116856206&amp;loc=d3e5070-113901<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of share options (or share units) exercised during the current period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(iv)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=116856206&amp;loc=d3e5070-113901<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=27012166&amp;loc=d3e187085-122770<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=109259400&amp;loc=d3e21463-112644<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised</td>
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6921163280">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Dividends<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2019</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DividendsAbstract', window );"><strong>Dividends [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_sfst_DividendsDisclosureTextBlock', window );">Dividends</a></td>
<td class="text"><div><p style="text-align: justify"><b><font style="font: x-small Arial">NOTE 22 &#8211; Dividends</font></b></p>

<p style="text-align: justify"><font style="font: x-small Arial">The ability of the Company to pay cash dividends is dependent upon receiving cash in the form of dividends from the Bank. The dividends that may be paid by the Bank to the Company are subject to legal limitations and regulatory capital requirements.</font></p>

<p style="text-align: justify"><font style="font: x-small Arial">Also, the payment of cash dividends on the Company's common stock by the Company in the future will be subject to certain other legal and regulatory limitations (including the requirement that the Company&#8217;s capital be maintained at certain minimum levels) and will be subject to ongoing review by banking regulators. The Federal Reserve has issued a policy statement regarding the payment of dividends by bank holding companies. In general, the Federal Reserve&#8217;s policies provide that dividends should be paid only out of current earnings and only if the prospective rate of earnings retention by the bank holding company appears consistent with the organization&#8217;s capital needs, asset quality and overall financial condition.</font></p></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Dividends disclosure.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6811945728">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Related Party Transactions<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2019</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RelatedPartyTransactionsAbstract', window );"><strong>Related Party Transactions [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RelatedPartyTransactionsDisclosureTextBlock', window );">Related Party Transactions</a></td>
<td class="text"><div><p style="text-align: justify"><b><font style="font: x-small Arial">NOTE 18 &#8211; Related Party Transactions</font></b></p>

<p style="text-align: justify"><font style="font: x-small Arial">Certain directors, executive officers, and companies with which they are affiliated, are clients of and have banking transactions with the Company in the ordinary course of business. These loans were made on substantially the same terms, including interest rates and collateral, as those prevailing at the time for comparable transactions with persons not related to the lender.</font></p>

<p style="text-align: justify"><font style="font: x-small Arial">A summary of loan transactions with directors and executive officers, including their affiliates is as follows:</font></p>

<table cellspacing="0" cellpadding="0" border="0" style="width: 100%; line-height: 14pt; border-collapse: collapse">



<tr style="vertical-align: bottom">

   <td style="border-top: Black 1.5pt solid; width: 89%; white-space: nowrap; text-align: left">&#160;</td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="6" style="border-top: Black 1.5pt solid; width: 10%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 89%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="5" style="border-bottom: Black 1pt solid; width: 9%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">For the years ended December 31,</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right">&#160;</td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 89%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">(dollars in thousands)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2019</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">2018</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right">&#160;</td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="width: 89%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Balance, beginning of year</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">&#160;$</font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">13,969</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">15,276</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 89%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">New loans</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">6,709</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">5,686</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom; background-color: Silver">

   <td style="border-bottom: Black 1pt solid; width: 89%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Less loan payments</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(9,787</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">(6,993</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">)</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1.5pt solid; width: 89%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Balance, end of year</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">10,891</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">13,969</font></td>

   <td style="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td></tr></table>


<p style="text-align: justify"><font style="font: x-small Arial">Deposits by executive officers and directors and their related interests at December 31, 2019 and 2018, were $2.5 million and $2.7 million, respectively.</font></p>

<p style="text-align: justify"><font style="font: x-small Arial">The Company has a land lease with a director on the property for a branch office, with monthly payments of $8,256. In addition, the Company periodically enters into various consulting agreements with the director for development, administration and advisory services related to the purchase of property and construction of current and future branch office sites, including the development of the new bank headquarters in Greenville, South Carolina. Payments totaling $600,000 were made to the director for these services during the year ended December 31, 2019. Also, the Company has previously contracted with the director to provide property management services for its four offices in the Greenville market. The Company paid the director approximately $21,000, and $38,000 for these services during 2018 and 2017, respectively.</font></p>

<p style="text-align: justify"><font style="font: x-small Arial">The Company also utilizes employment recruiting services from a vendor for which one of the Company&#8217;s directors is an owner and serves as the chairman of the board. The Company paid approximately $38,000 to the vendor for the year ended December 31, 2018.</font></p>

<p style="text-align: justify"><font style="font: x-small Arial">The Company is of the opinion that the lease payments, consulting fees, and recruiting costs represent market costs that could have been obtained in similar &#8220;arms length&#8221; transactions.</font></p></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for related party transactions. Examples of related party transactions include transactions between (a) a parent company and its subsidiary; (b) subsidiaries of a common parent; (c) and entity and its principal owners; and (d) affiliates.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 850<br> -URI http://asc.fasb.org/topic&amp;trid=2122745<br></p></div>
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<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6811834672">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Fair Value Accounting<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2019</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueDisclosuresAbstract', window );"><strong>Fair Value Disclosures [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueDisclosuresTextBlock', window );">Fair Value Accounting</a></td>
<td class="text"><div><p style="text-align: left"><b><font style="font: x-small Arial">NOTE 14 &#8211; Fair Value Accounting</font></b></p>
<p style="text-align: justify"><font style="font: x-small Arial">FASB ASC 820, &#8220;Fair Value Measurement and Disclosures Topic,&#8221; defines fair value as the exchange price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. FASB ASC 820 also establishes a fair value hierarchy which requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. The standard describes three levels of inputs that may be used to measure fair value:</font></p>
<div style="margin-left: 15pt; text-align: justify"><b><font style="font: x-small Arial">Level 1 &#8211; Quoted market price in active markets<br /></font></b><font style="font: x-small Arial">Quoted prices in active markets for identical assets or liabilities. Level 1 assets and liabilities include certain debt and equity securities that are traded in an active exchange market.</font></div>
<div style="margin-left: 15pt; text-align: justify"><b><font style="font: x-small Arial">Level 2 &#8211; Significant other observable inputs<br /></font></b><font style="font: x-small Arial">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 for substantially the full term of the assets or liabilities. Level 2 assets and liabilities include fixed income securities and mortgage-backed securities that are held in the Company&#8217;s available-for-sale portfolio and valued by a third-party pricing service, as well as certain impaired loans.</font></div>
<div style="margin-left: 15pt; text-align: justify"><b><font style="font: x-small Arial">Level 3 &#8211; Significant unobservable inputs<br /></font></b><font style="font: x-small Arial">Unobservable inputs that are supported by little or no market activity and that are significant to the fair value of the assets or liabilities. Level 3 assets and liabilities include financial instruments whose value is determined using pricing models, discounted cash flow methodologies, or similar techniques, as well as instruments for which the determination of fair value requires significant management judgment or estimation. These methodologies may result in a significant portion of the fair value being derived from unobservable data.</font></div>
<p style="text-align: justify"><i><font style="font: x-small Arial">Fair Value of Financial Instruments<br /></font></i><font style="font: x-small Arial">Financial instruments require disclosure of fair value information, whether or not recognized in the consolidated balance sheets, when it is practical to estimate the fair value. A financial instrument is defined as cash, evidence of an ownership interest in an entity or a contractual obligation which requires the exchange of cash. Certain items are specifically excluded from the disclosure requirements, including the Company&#8217;s common stock, premises and equipment and other assets and liabilities.</font></p>
<p style="text-align: justify"><font style="font: x-small Arial">The following is a description of valuation methodologies used to estimate fair value for assets recorded at fair value. Fair value approximates carrying value for the following financial instruments due to the short-term nature of the instrument: cash and due from banks, federal funds sold, other investments, federal funds purchased, and securities sold under agreement to repurchase.</font></p>



<p style="text-align: justify"><i><font style="font: x-small Arial">Investment Securities<br /></font></i><font style="font: x-small Arial">Securities available for sale are valued on a recurring basis at quoted market prices where available. If quoted market prices are not available, fair values are based on quoted market prices of comparable securities. Level 1 securities include those traded on an active exchange, such as the New York Stock Exchange or U.S. Treasury securities that are traded by dealers or brokers in active over-the-counter markets and money market funds. Level 2 securities include mortgage-backed securities and debentures issued by government sponsored entities, municipal bonds and corporate debt securities. In certain cases where there is limited activity or less transparency around inputs to valuations, securities are classified as Level 3 within the valuation hierarchy. Securities held to maturity are valued at quoted market prices or dealer quotes similar to securities available for sale. The carrying value of Other Investments, such as Federal Reserve Bank and FHLB stock, approximates fair value based on their redemption provisions.</font></p>
<p style="text-align: justify"><i><font style="font: x-small Arial">Mortgage Loans Held for Sale<br /></font></i><font style="font: x-small Arial">Loans held for sale include mortgage loans which are saleable into the secondary mortgage markets and their fair values are estimated using observable quoted market or contracted prices or market price equivalents, which would be used by other market participants. These saleable loans are considered Level 2.</font></p>
<p style="text-align: justify"><i><font style="font: x-small Arial">Impaired Loans<br /></font></i><font style="font: x-small Arial">The Company does not record loans at fair value on a recurring basis. However, from time to time, a loan may be considered impaired and an allowance for loan losses may be established. Loans for which it is probable that payment of interest and principal will not be made in accordance with the contractual terms of the loan agreement are considered impaired. Once a loan is identified as individually impaired, management measures the impairment in accordance with FASB ASC 310, &#8220;Receivables.&#8221; The fair value of impaired loans is estimated using one of several methods, including collateral value, market value of similar debt, enterprise value, liquidation value and discounted cash flows. Those impaired loans not requiring an allowance represent loans for which the fair value of the expected repayments or collateral exceed the recorded investments in such loans. In accordance with FASB ASC 820, &#8220;Fair Value Measurement and Disclosures,&#8221; impaired loans where an allowance is established based on the fair value of collateral require classification in the fair value hierarchy. When the fair value of the collateral is based on an observable market price or a current appraised value, the Company considers the impaired loan as nonrecurring Level 2. The Company&#8217;s current loan and appraisal policies require the Company to obtain updated appraisals on an &#8220;as is&#8221; basis at renewal, or in the case of an impaired loan, on an annual basis, either through a new external appraisal or an appraisal evaluation. When an appraised value is not available or management determines the fair value of the collateral is further impaired below the appraised value and there is no observable market price, the Company considers the impaired loan as nonrecurring Level 3. The fair value of impaired loans may also be estimated using the present value of expected future cash flows to be realized on the loan, which is also considered a Level 3 valuation. These fair value estimates are subject to fluctuations in assumptions about the amount and timing of expected cash flows as well as the choice of discount rate used in the present value calculation.</font></p>
<p style="text-align: justify"><i><font style="font: x-small Arial">Other Real Estate Owned<br /></font></i><font style="font: x-small Arial">OREO, consisting of properties obtained through foreclosure or in satisfaction of loans, is reported at the lower of cost or fair value, determined on the basis of current appraisals, comparable sales, and other estimates of value obtained principally from independent sources, adjusted for estimated selling costs (Level 2). At the time of foreclosure, any excess of the loan balance over the fair value of the real estate held as collateral is treated as a charge against the allowance for loan losses. Gains or losses on sale and generally any subsequent adjustments to the value are recorded as a component of real estate owned activity. When an appraised value is not available or management determines the fair value of the collateral is further impaired below the appraised value and there is no observable market price, the Company considers the OREO as nonrecurring Level 3.</font></p>
<p style="text-align: justify"><i><font style="font: x-small Arial">Derivative Financial Instruments<br /></font></i><font style="font: x-small Arial">The Company estimates the fair value of IRLCs based on the value of the underlying mortgage loan, quoted MBS prices and an estimate of the probability that the mortgage loan will fund within the terms of the IRLC, net of commission expenses (Level 2). The Company estimates the fair value of forward sales commitments based on quoted MBS prices (Level 2).</font></p>




<p style="text-align: justify"><i><font style="font: x-small Arial">Assets and Liabilities Recorded at Fair Value on a Recurring Basis<br /></font></i><font style="font: x-small Arial">The tables below present the recorded amount of assets and liabilities measured at fair value on a recurring basis.</font></p>

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<tr style="vertical-align: bottom">
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td colspan="8" style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td></tr>
<tr style="vertical-align: bottom">

   <td style="width: 83%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="8" style="border-bottom: Black 1pt solid; width: 16%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">December 31, 2019</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 83%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">(dollars in thousands)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Level 1</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; text-align: right">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Level 2</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Level 3</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Total</font></b></td></tr>

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   <td style="width: 2%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 83%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Securities available for sale:</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; text-align: left"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="padding-left: 30pt; width: 83%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial">US government agencies</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; text-align: left; background-color: Silver"><font style="font: x-small Arial">$</font></td>

   <td style="width: 2%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">499</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">499</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 83%; white-space: nowrap; text-align: left; padding-left: 30pt"><font style="font: x-small Arial">SBA securities</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; text-align: left"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">531</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">531</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="padding-left: 30pt; width: 83%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial">State and political subdivisions</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; text-align: left; background-color: Silver"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">4,184</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">4,184</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 83%; white-space: nowrap; text-align: left; padding-left: 30pt"><font style="font: x-small Arial">Asset-backed securities</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; text-align: left"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">13,167</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">13,167</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="padding-left: 30pt; width: 83%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial">Mortgage-backed securities</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; text-align: left; background-color: Silver"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">49,313</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">49,313</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 83%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Mortgage loans held for sale</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; text-align: left"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">27,046</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">27,046</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; padding-left: 15pt; background-color: Silver; width: 83%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Mortgage loan interest rate lock commitments</font></td>

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">344</font></td>

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">344</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; padding-left: 30pt; width: 83%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total assets measured at fair value on a recurring basis</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; text-align: left"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">95,084</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">95,084</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 83%; white-space: nowrap; text-align: left">&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; text-align: left"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 83%; white-space: nowrap; text-align: left; background-color: Silver"><b><font style="font: x-small Arial">Liabilities</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><b><font style="font: x-small Arial"></font></b></td>

   <td style="width: 1%; text-align: left; background-color: Silver"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 83%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">MBS forward sales commitments</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; text-align: left"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">39</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">39</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1.5pt solid; padding-left: 30pt; background-color: Silver; width: 83%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total liabilities measured at fair value on a recurring basis</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; text-align: left"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">39</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">39</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 83%; white-space: nowrap; text-align: left">&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; text-align: left"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="3" style="width: 7%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 83%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="8" style="border-bottom: Black 1pt solid; width: 16%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">December 31, 2018</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 83%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">(dollars in thousands)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial"></font></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; text-align: right"><b><font style="font: xx-small Arial">Level 1</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Level 2</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Level 3</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Total</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 83%; white-space: nowrap; text-align: left; background-color: Silver"><b><font style="font: x-small Arial">Assets</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><b><font style="font: x-small Arial"></font></b></td>

   <td style="width: 1%; text-align: left; background-color: Silver"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 83%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Securities available for sale:</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; text-align: left"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="padding-left: 30pt; width: 83%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial">US government agencies</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; text-align: left; background-color: Silver"><font style="font: x-small Arial">$</font></td>

   <td style="width: 2%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">8,782</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">8,782</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 83%; white-space: nowrap; text-align: left; padding-left: 30pt"><font style="font: x-small Arial">SBA securities</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; text-align: left"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3,525</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">3,525</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="padding-left: 30pt; width: 83%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial">State and political subdivisions</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; text-align: left; background-color: Silver"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">8,356</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">8,356</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 83%; white-space: nowrap; text-align: left; padding-left: 30pt"><font style="font: x-small Arial">Asset-backed securities</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; text-align: left"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">9,558</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">9,558</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="padding-left: 30pt; width: 83%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial">Mortgage-backed securities</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; text-align: left; background-color: Silver"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">44,684</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">44,684</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 83%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Mortgage loans held for sale</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; text-align: left"></td>

   <td style="width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">9,241</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">9,241</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; padding-left: 15pt; background-color: Silver; width: 83%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Mortgage loan interest rate lock commitments</font></td>

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">345</font></td>

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">345</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; padding-left: 30pt; width: 83%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total assets measured at fair value on a recurring basis</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; text-align: left"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">84,491</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">84,491</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 83%; white-space: nowrap; text-align: left">&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; text-align: left"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 83%; white-space: nowrap; text-align: left; background-color: Silver"><b><font style="font: x-small Arial">Liabilities</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><b><font style="font: x-small Arial"></font></b></td>

   <td style="width: 1%; text-align: left; background-color: Silver"></td>

   <td style="width: 2%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; padding-left: 15pt; width: 83%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">MBS forward sales commitments</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; text-align: left"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">121</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">121</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1.5pt solid; padding-left: 30pt; background-color: Silver; width: 83%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total liabilities measured at fair value on a recurring basis</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; text-align: left"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 2%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">121</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">121</font></td></tr></table>


<p style="text-align: justify"><i><font style="font: x-small Arial">Assets and Liabilities Recorded at Fair Value on a Nonrecurring Basis<br /></font></i><font style="font: x-small Arial">The Company is predominantly an asset based lender with real estate serving as collateral on more than 83% of loans as of December 31, 2019. Loans which are deemed to be impaired are valued net of the allowance for loan losses, and other real estate owned is valued at the lower of cost or net realizable value of the underlying real estate collateral. Such market values are generally obtained using independent appraisals, which the Company considers to be level 2 inputs. The tables below present the recorded amount of assets and liabilities measured at fair value on a nonrecurring basis.</font></p>

<table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 100%">



<tr style="vertical-align: bottom">
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&#160;</td>
   <td colspan="8" style="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&#160;</td></tr>
<tr style="vertical-align: bottom">

   <td style="width: 83%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="8" style="border-bottom: Black 1pt solid; width: 16%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">December 31, 2019</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 83%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">(dollars in thousands)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Level 1</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; text-align: right">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Level 2</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Level 3</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Total</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 83%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial">Assets</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 83%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Impaired loans</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">5,634</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4,941</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">10,575</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 83%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total assets measured at fair value on a nonrecurring basis</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">5,634</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4,941</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">10,575</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 83%; white-space: nowrap; text-align: left">&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="8" style="width: 16%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 83%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="8" style="border-bottom: Black 1pt solid; width: 16%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">December 31, 2018</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 83%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; text-align: right"><b><font style="font: xx-small Arial">Level 1</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Level 2</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Level 3</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Total</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 83%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial">Assets</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 83%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Impaired loans</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,190</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">8,368</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">10,558</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 83%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Total assets measured at fair value on a nonrecurring basis</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">$</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">2,190</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">8,368</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">10,558</font></td></tr></table>





<p style="text-align: justify"><font style="font: x-small Arial">The Company had no liabilities carried at fair value or measured at fair value on a nonrecurring basis.</font></p>

<p style="text-align: justify"><font style="font: x-small Arial">For Level 3 assets and liabilities measured at fair value on a recurring or nonrecurring basis as of December 31, 2019, the significant unobservable inputs used in the fair value measurements were as follows:</font></p>

<table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 100%">



<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 25%; white-space: nowrap; text-align: left"></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="border-bottom: Black 1pt solid; width: 22%; white-space: nowrap; text-align: left"><b><font style="font: xx-small Arial">Valuation Technique</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="border-bottom: Black 1pt solid; width: 30%; white-space: nowrap; text-align: left"><b><font style="font: xx-small Arial">Significant Unobservable Inputs</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="border-bottom: Black 1pt solid; width: 20%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Range of Inputs</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="vertical-align: top; width: 25%; text-align: left; background-color: Silver"><font style="font: x-small Arial">Impaired loans</font></td>

   <td style="vertical-align: top; width: 1%; text-align: left; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="vertical-align: top; width: 22%; text-align: left; background-color: Silver"><font style="font: x-small Arial">Appraised Value/<br />Discounted Cash Flows</font></td>

   <td style="vertical-align: top; width: 1%; text-align: left; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="vertical-align: top; width: 30%; text-align: left; background-color: Silver"><font style="font: x-small Arial">Discounts to appraisals or cash flows for estimated holding and/or selling costs or age of appraisal</font></td>

   <td style="vertical-align: top; width: 1%; text-align: left; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="vertical-align: top; width: 20%; text-align: right; background-color: Silver"><font style="font: x-small Arial">0-25%</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="vertical-align: top; width: 25%; text-align: left"><font style="font: x-small Arial">Other real estate owned</font></td>

   <td style="vertical-align: top; width: 1%; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="vertical-align: top; width: 22%; text-align: left"><font style="font: x-small Arial">Appraised Value/<br />Comparable Sales</font></td>

   <td style="vertical-align: top; width: 1%; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="vertical-align: top; width: 30%; text-align: left"><font style="font: x-small Arial">Discounts to appraisals for estimated holding or selling costs</font></td>

   <td style="vertical-align: top; width: 1%; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="vertical-align: top; width: 20%; text-align: right"><font style="font: x-small Arial">0-25%</font></td></tr></table>


<p style="text-align: justify"><i><font style="font: x-small Arial">Fair Value of Financial Instruments<br /></font></i><font style="font: x-small Arial">Financial instruments require disclosure of fair value information, whether or not recognized in the consolidated balance sheets, when it is practical to estimate the fair value. A financial instrument is defined as cash, evidence of an ownership interest in an entity or a contractual obligation which requires the exchange of cash. Certain items are specifically excluded from the disclosure requirements, including the Company&#8217;s common stock, premises and equipment and other assets and liabilities.</font></p>

<p style="text-align: justify"><font style="font: x-small Arial">The following is a description of valuation methodologies used to estimate fair value for certain other financial instruments.</font></p>

<p style="text-align: justify"><font style="font: x-small Arial">Fair value approximates carrying value for the following financial instruments due to the short-term nature of the instrument: cash and due from banks, federal funds sold, other investments, federal funds purchased, and securities sold under agreement to repurchase.</font></p>

<p style="text-align: justify"><i><font style="font: x-small Arial">Loans </font></i><font style="font: x-small Arial">&#8211; The valuation of loans held for investment is estimated using the exit price notion which incorporates factors, such as enhanced credit risk, illiquidity risk and market factors that sometimes exist in exit prices in dislocated markets. This credit risk assumption is intended to approximate the fair value that a market participant would realize in a hypothetical orderly transaction. The Company&#8217;s loan portfolio is initially fair valued using a segmented approach, using the eight categories as disclosed in Note 4 &#8211; Loans and Allowance for Loan Losses. Loans are considered a Level 3 classification.</font></p>

<p style="text-align: justify"><i><font style="font: x-small Arial">Deposits &#8211; </font></i><font style="font: x-small Arial">Fair value for demand deposit accounts and interest-bearing accounts with no fixed maturity date is equal to the carrying value. The fair value of certificate of deposit accounts are estimated by discounting cash flows from expected maturities using current interest rates on similar instruments.</font></p>

<p style="text-align: justify"><i><font style="font: x-small Arial">FHLB Advances and Other Borrowings &#8211; </font></i><font style="font: x-small Arial">Fair value for FHLB advances and other borrowings are estimated by discounting cash flows from expected maturities using current interest rates on similar instruments.</font></p>

<p style="text-align: justify"><i><font style="font: x-small Arial">Subordinated debentures </font></i><font style="font: x-small Arial">&#8211; Fair value for subordinated debentures are estimated by discounting cash flows from expected maturities using current interest rates on similar instruments.</font></p>

<p style="text-align: justify"><font style="font: x-small Arial">The Company has used management&#8217;s best estimate of fair value based on the above assumptions. Thus, the fair values presented may not be the amounts that could be realized in an immediate sale or settlement of the instrument. In addition, any income taxes or other expenses, which would be incurred in an actual sale or settlement, are not taken into consideration in the fair value presented.</font></p>





<p style="text-align: justify"><font style="font: x-small Arial">The estimated fair values of the Company&#8217;s financial instruments at December 31, 2019 and 2018 are as follows:</font></p>

<table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 100%">



<tr style="vertical-align: bottom">

   <td style="border-top: Black 1.5pt solid; width: 79%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-top: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"></td>

   <td style="border-top: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"></td>

   <td colspan="3" style="border-top: Black 1.5pt solid; width: 7%; white-space: nowrap; text-align: right">&#160;<b><font style="font: xx-small Arial"></font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="10" style="border-bottom: Black 1pt solid; width: 20%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">December 31, 2019</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">(dollars in thousands)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial"></font></td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Carrying</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Fair</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Level 1</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Level 2</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Level 3</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left; background-color: Silver"><b><font style="font: x-small Arial">Financial Assets:</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><b><font style="font: x-small Arial"></font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Other investments, at cost</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">6,948</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">6,948</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">6,948</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="background-color: Silver; width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Loans<sup>(1)</sup></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">1,914,870</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">1,900,216</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">1,900,216</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial">Financial Liabilities:</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial"></font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="background-color: Silver; width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Deposits</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">1,876,124</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">1,772,121</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">1,772,121</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">-</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">FHLB and other borrowings</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">110,000</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">109,737</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">109,737</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; padding-left: 15pt; width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Subordinated debentures</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">35,890</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">33,250</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">33,250</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left">&#160;</td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="10" style="width: 20%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial"></font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td colspan="10" style="border-bottom: Black 1pt solid; width: 20%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">December 31, 2018</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1pt solid; width: 79%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">(dollars in thousands)</font></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left">&#160;&#160;&#160;&#160;&#160;</td>

   <td colspan="2" style="border-bottom: Black 1pt solid; width: 4%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Carrying</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Fair</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Level 1</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Level 2</font></b></td>

   <td style="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: right"><b><font style="font: xx-small Arial">Level 3</font></b></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left; background-color: Silver"><b><font style="font: x-small Arial">Financial Assets:</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><b><font style="font: x-small Arial"></font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left; background-color: Silver"></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Other investments, at cost</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">$</font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4,121</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4,121</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">4,121</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="background-color: Silver; width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Loans<sup>(1)</sup></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">1,648,998</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">1,618,618</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">1,618,618</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial">Financial Liabilities:</font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><b><font style="font: x-small Arial"></font></b></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"></td>

   <td style="width: 3%; white-space: nowrap; text-align: left"></td></tr>

<tr style="vertical-align: bottom">

   <td style="background-color: Silver; width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">Deposits</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">1,648,136</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">1,515,123</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">1,515,123</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right; background-color: Silver"><font style="font: x-small Arial">-</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 79%; white-space: nowrap; text-align: left; padding-left: 15pt"><font style="font: x-small Arial">FHLB and other borrowings</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">50,000</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">50,147</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">50,147</font></td>

   <td style="width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; padding-left: 15pt; width: 79%; white-space: nowrap; text-align: left"><font style="font: x-small Arial">Subordinated debentures</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: left"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">13,403</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">14,807</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">14,807</font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 1%; white-space: nowrap; text-align: right"><font style="font: x-small Arial"></font></td>

   <td style="border-bottom: Black 1.5pt solid; background-color: Silver; width: 3%; white-space: nowrap; text-align: right"><font style="font: x-small Arial">-</font></td></tr></table>

<br />

<table cellspacing="0" cellpadding="0" border="0" style="line-height: normal; font-size: 7pt; border-collapse: collapse; width: 100%">



<tr style="vertical-align: bottom">

   <td style="width: 1%; white-space: nowrap; text-align: left; padding-right: 8pt"><font style="font: xx-small Arial"><sup>(1)</sup></font></td>

   <td style="width: 99%; white-space: nowrap; text-align: left"><font style="font: xx-small Arial">Carrying amount is net of the allowance for loan losses and previously presented impaired loans.</font></td></tr></table>


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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 820<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=117815213&amp;loc=d3e19207-110258<br></p></div>
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